外文文献翻译我国商业银行个人理财业务的战略研究与发展现状Word格式文档下载.docx
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Abstract:
Thepersonalfinancialmanagementbusinessinourcountryisintheinitialstage,comparedtothedevelopedoneinwestern,there'
sstillalongwaytogo,Therefore,thecommercialbanksinchinaneedtoreviewandstudytoestimatemarketdirection;
buildexcellencebrandimageandspecialservices;
Increaseofinnovation;
changetheproductsfromsingletocomprehensive;
Establishandperfectfinancialmanagementbusiness’managementsysteminordertopromotethedevelopmentofpersonalfinancialbusinessinourmanagementcountry.
Keywords:
Commercialbanks,Personalfinancialmanagement,Strategy
1Introduction
Thecommercialbanksarefacingthenewsituation:
theincreasingdangerintraditionalbusiness.themarginoftheinterestrate’sturningincreasinglynarrowedandforeignbank’scompetition.Thesebanksshouldthinkdeeplytofindwhythatbusinessdevelopsoslowlyandthenputforwardafeasibleplan.ThepersonalfinancialmanagementbusinessisnotonlyanimportantcarrierforcommercialbankstoadvanceComprehensivemanagementstrategybutalsoamajorwayofimprovingIntermediarybusinessincome.Thatbusinessinourcountryisintheinitialstage.comparedtothedevelopedoneinwestern,there’sstillalongwaytogo.Therefore.thecommercialbanksinchinaneedtoreviewandstudytoestimatemarketdirection;
Increaseofinnovation;
changetheproductsfromsingletocomprehensive;
Establishandperfectfinancialmanagementbusiness’managementsysteminordertopromotethedevelopmentofpersonalfinancialmanagementbusinessinourcountry.Meanwhile.thecommercialbanksarefacingthenewsituation:
theincreasingdangerintraditionalbusiness.themarginoftheinterestrate’sturningincreasinglynarrowedandforeignbank'
scompetition.Thesebanksshouldthinkdeeplytofendwhythatbus;
messdevelopsoslowlyandthenputforwardafeasibleplan.Amongallthebusinessesincommercialbanks.personalfinancialmanagementbusinesshastheadvantagesofhugemarketcapacity,lowrisk,widerangeofbusiness,andstableincome.Forthoseadvantagesthepersonalfinancialmanagementbusinessbecomescommercialbanks'
mainbusinessandvitalprofitssource.Inwesterndevelopedcountry,thiskindofbusinessalmostgetsintoeveryfamily.Itsbusinessincomehasbeenaccountforbank'
s30%.Comparedtothedevelopedoneinwestern.there’sstillalongwaytogobutithasabrightmarketexpectation.However,ourcountry’spersonalfinancialmanagementbusinessislimitedbysomefactors,forinstance,thefinanciallegalsystem,financialsupervisionsystemandthedevelopmentoffinancialmarket.Asaresult.itbringssomeproblemsthatneedtobedonewhiledevelopingrapidly.
2TheDevelopmentSituation,TraitandExistingProblemofIndividualManageMattersOperationinCommercialBankofChina
2。
1ThedevelopmentsituationofindividualmoneymattersoperationincommercialbankofChina
Managemoneymattersoperationreferstocommercialbankusesprofessionaladvantageslikevariouskindsoffinancialknowledge,professionaltechniqueandwidefundcredibilityandaccordingtoclients’financialpositionandinvestmentrequirement,provideclientswithprofessionalserviceactivities,suchasfinancialanalysis.financialplanning,investmentcounselorandassetsmanagement.Recently,asthefastdevelopingeconomyofchinaandtheaccumulatingpropertyofcitizens,theneedofmanagemoneymattersoperationbecomesstrongerandstronger.Thereareseveralreasons:
firstofall,whenpeople’spropertiesaccumulatetosomedegree,theyconcernmoreabouthowtoeffectivelykeepandincreasethevalueoftheirproperties.Second,asthepushingonhousing,educationandmedicaltreatmentmarketingrevolutionproceeding,familiesneedthehelpoffinancialmechanismservicetocreateacompleterisksafeguardmechanism.Ontheotherhand,wehavealreadybeeninagingstage,thusithasbecomemanypeople’srealneedtoaccumulatepartoftheirpensionthroughmanagemoneymatters.Underthecircumstances.individualmoneymattersoperationofcommercialbankdevelopsquickly.Butaccordingtoindividualmoneymattersoperationsituationofeverycommercialbank.therearestillmanyproblemsthatmakeithardtodevelopindividualmoneymattersoperation.
2ThetraitofindividualmoneymattersoperationincommercialbankofChina
Astheindividualmoneymattersoperationofcommercialbankhasjuststarted,financialmechanismandlawsandregulationssystemsarespecial,socomparedtowesterndevelopedcountries,wehaveourowntraits.Fiduciaryloanproductbecomesthe1eaderofmanagemoneymattersmarketRecently,investpeoplepaymoreattentiontotherisksituationofproductwhentheychoosemanagemoneymatte