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随着我国经济的快速发展,社会的进步和个人收入大幅提高并且呈现集中趋势,人们对于个人财富的态度、观念和处理方式与过去相比发生了很大变化,个人理财逐渐成人们关注的焦点。
Along with the rapidly development of economic of China, the progress of society and drastically increased and centralized of personal incoming, people attitude, opinion and handling approaches of individual wealth have changed a lot from past, personal finance become into the focus of people gradually.
由于竞争的加剧和利率市场化的深入,商业银行传统的公司类批发业务获利空间逐步缩小,信贷风险不断增加。
Because of the exacerbation of competition and development of marketization of interest rate, the profits of wholesale business of traditional company of commercial bank are reduced step by step, and the risk of credit increased gradually.
而我国加入WTO后,外资银行又将以其雄厚的资金实力、灵活的经营机制、丰富的管理经验,重点争夺优质客户。
And after the affiliation of WTO of China, bank of foreign capital strived for the high-class customers as per their abundant capital, flexible managerial mechanism, and abundant managerial experience.
日益加剧的市场竞争迫使国内商业银行开拓新的业务领域,寻求新的利润增长空间。
More and more exacerbated market competition compelled domestic commercial banks expand new business area, search new profits increasing.
个人理财业务以其领域广、批量多、风险小、个性化、收入稳定、附加值高等特点,成为商业银行生存与发展的必然趋势。
Personal finance business become into the inevitable tendency of survival and development of commercial banks with the characters of wide business area, abundant wholesale, good credit risk, individuation, stable incoming, high addition value.
在这样的背景下,如何抓住优质客户,占领客户市场,获取更大利润,迎接入世挑战;如何发展我国的个人理财业务,深化理财内涵,为客户提供更具个性化的服务,形成企业独特的文化,提高商业银行核心竞争力,将成为我国银行业亟待研究的问题。
With this background, how to maintain high-class customers, occupy the customers market, gain more profits, confront challenge of affiliating of WTO; and how to develop the personal finance business, deepen the connotation of financial conducting, provide more characteristic service for customers, form the special culture of company, improve the core competitiveness of commercial bank, become the urgent problems to be solved of banking of China.
本文通过我国银行业发展个人理财业务的情况,分析了制约国内个人理财业务发展的因素,并提出解决的对策。
This article has analyzed the restriction of development of domestic personal finance and proposed the solutions according to the status of development of personal finance business of banking of China.
通过借鉴国外银行发展的经验,阐述了中国银行发展个人理财业务的思路、方法和策略,以期进一步深入理解个人理财业务的内涵,并能更有效地指导实际工作。
According to using for experience of foreign banking development, expounded the thinking, approaches and strategies of personal finance business development of banks of China, expecting to understand the connotation of personal finance business further more, and guide the practical works more efficiently.
参考资料:手打