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.docx

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.docx

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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

TheDevelopmentStatusandStrategyResearchofCommercialBanks’PersonalFinancialManagementBusinessinChina

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;buildexcellencebrandimageandspecialservices；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．

2。

2ThetraitofindividualmoneymattersoperationincommercialbankofChina

Astheindividualmoneymattersoperationofcommercialbankhasjuststarted，financialmechanismandlawsandregulationssystemsarespecial，socomparedtowesterndevelopedcountries，wehaveourowntraits．Fiduciaryloanproductbecomesthe1eaderofmanagemoneymattersmarketRecently,investpeoplepaymoreattentiontotherisksituationofproductwhentheychoosemanagemoneymatte