商业银行个人理财业务的战略研究与发展现状外文文献翻译Word文档格式.docx

商业银行个人理财业务的战略研究与发展现状外文文献翻译Word文档格式.docx

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Thepersonalfinancialmanagementbusinessinourcountryisintheinitialstage，comparedtothedevelopedoneinwestern，there’sstillalongwaytogo，Therefore，thecommercialbanksinchinaneedtoreviewandstudytoestimatemarketdirection；

buildexcellencebrandimageandspecialservices；

Increaseofinnovation；

changetheproducts fromsingle to comprehensive；

Establishandperfectfinancialmanagementbusiness’managementsysteminordertopromotethe

developmentofpersonalfinancialbusinessinourmanagementcountry．Keywords：

Commercialbanks，Personalfinancialmanagement，Strategy

1Introduction

Thecommercialbanksarefacingthenewsituation：

theincreasingdangerintraditionalbusiness．themarginoftheinterestrate’sturningincreasinglynarrowedandforeignbank’scompetition．Thesebanksshouldthinkdeeplytofindwhythatbusinessdevelopsoslowlyandthenputforwardafeasibleplan．Thepersonalfinancialmanagementbusinessisnotonlyanimportantcarrierforcommercialbanks

toadvanceComprehensivemanagementstrategybutalsoamajorwayofimprovingIntermediarybusinessincome．Thatbusinessinourcountryisintheinitialstage．comparedtothedevelopedoneinwestern，there’sstill alongwayto

go．Therefore．thecommercialbanksin chinaneedtoreviewandstudytoestimate

marketdirection；

changetheproductsfromsingletocomprehensive；

Establishandperfectfinancialmanagementbusiness’managementsysteminordertopromotethe

developmentofpersonalfinancialmanagementbusinessinourcountry．Meanwhile．thecommercialbanksarefacingthenewsituation：

theincreasingdangerintraditionalbusiness．themarginoftheinterestrate’sturning

increasinglynarrowedandforeignbank’scompetition．Thesebanksshouldthink

deeplytofendwhythatbus；

messdevelopsoslowlyandthenputforwardafeasibleplan．Amongallthebusinessesincommercialbanks．personalfinancialmanagementbusinesshastheadvantagesofhugemarketcapacity，lowrisk，wide

10

rangeofbusiness，andstableincome．Forthoseadvantagesthepersonalfinancialmanagementbusinessbecomescommercialbanks’mainbusinessandvitalprofits

source．Inwesterndevelopedcountry，thiskindofbusinessalmostgetsintoeveryfamily．Itsbusinessincomehasbeenaccountforbank’s30％．Comparedtothedevelopedoneinwestern．there’sstill alongwaytogobutithasabrightmarketexpectation．However，ourcountry’spersonalfinancialmanagementbusiness islimitedbysomefactors，forinstance，thefinancial legalsystem，financialsupervisionsystemandthedevelopmentoffinancialmarket．Asaresult．itbringssomeproblemsthatneedtobedonewhiledevelopingrapidly．

2TheDevelopmentSituation，TraitandExistingProblemof

IndividualManageMattersOperationinCommercialBankofChina

2.1The development situation of individual money mattersoperationincommercialbankofChina

Managemoneymattersoperationreferstocommercialbankusesprofessionaladvantageslikevariouskindsoffinancialknowledge，professionaltechniqueandwidefundcredibilityandaccordingtoclients’financialpositionandinvestmentrequirement，provideclientswithprofessionalserviceactivities，suchasfinancialanalysis．financialplanning，investmentcounselorandassetsmanagement．Recently，asthefastdevelopingeconomyofchinaandtheaccumulatingpropertyofcitizens，

theneedofmanagemoneymattersoperationbecomesstrongerandstronger．There

areseveralreasons：

firstofall，whenpeople’spropertiesaccumulatetosomedegree，theyconcernmoreabouthowtoeffectivelykeepandincreasethevalueoftheirproperties．Second，asthepushingonhousing，educationandmedicaltreatmentmarketingrevolutionproceeding，familiesneedthehelpoffinancialmechanism

servicetocreateacompleterisksafeguardmechanism．Ontheotherhand，wehave

alreadybeeninagingstage，thusithasbecomemanypeople’srealneedtoaccumulatepartoftheirpensionthroughmanagemoneymatters．Underthecircumstances．individualmoneymattersoperationofcommercialbankdevelopsquickly．Butaccordingtoindividualmoneymattersoperationsituationofeverycommercialbank．therearestillmanyproblemsthatmakeithardtodevelopindividualmoneymattersoperation．

2.2ThetraitofindividualmoneymattersoperationincommercialbankofChina

Astheindividualmoneymattersoperationofcommercialbankhasjuststarted，financialmechanismandlawsandregulationssystemsarespecial ，socomparedtowesterndevelopedcountries，wehaveourowntraits．Fiduciaryloanproductbecomesthe1eaderofmanagemoneymattersmarketRecently，investpeoplepaymoreattentiontotherisk si