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,investpeoplepaymoreattentiontotherisksituationofproductwhentheychoosemanagemoneymattersproduct.Atthesametime,becausetheCBRC(chinabankingregulatorycommission)addsitsstrengthtomanagemoneymattersoperationincommercialbank,thebreedstructureofmanagemoneymattersproductchangedalotingeneral.Since2009,fiduciaryloanproductincreasedlargelyandbecometheleaderinallkindsofbankingmanagemoneymattersproductforitsclearinvestment,simplestructure,variousdeadline,stableincome.Publicbeneficialandcreativeproductisthevalueofmanagemoneymattersproductafoot.Duringthewenchuanearthquakein2008,somebanksgivequicklyreflecttothecalamityandpushoutpublicbeneficialandcreativemanagemoneymattersproduct.Thiskindofmanagemoneymattersproductwasthemedasbenevolentandcares,whichgreatlywidenthedevelopingthoughtofbankingmanagemoneymattersoperationandvalidlypromotebrandvalueandsocialimageofthebank.
3TheReasonsWhyWeHaveProblemsinPersonalFinancialBusinessinOurNationalCommercialBanks
Thereasonwhywehavesomanyproblemsinpersonalfinancialbusinessinournationalcommercialbanksisnotjustbecauseofonesingleelement,butbecauseofmanyaspects.Thereasonthatwestilltakeseparateoperationinpractice.Thepoliciesandregulations.ideaofsupervisionandmeasuresinChinastillnotkeeppacewiththedevelopmentofera;westillrelyonseparateoperationandseparatemanagementtokeepwatchingtothefinancialrisk.Butthiskindofoperationmodeincreasesthecostofprocessingpersonalfinancialbusinessincommercialbanks.anditishardtomakegoodresults.Thereasonwhyalltheproductshavethesamequality.
Asitislimitedbytheidea,theanalysisofpersonalfinancebusinessfromourcommercialbanksarenottotallycorrect,therestillexistssomedeficienciestotheresearchofclients,asaresult.nearlyallthefinancialproductsarethesame.Thereasonwhywehaveashortageofhigh—qualityfinancialmanagerThecapabilityoftrainingfinancemanagersinourcountryisstillundevelopedandthementalityrelativelyfallsbehindwithdevelopingcountries,somostofexcellentmanagerschoosetoenterforeignbanks,anditwillbereasonablethatthemanagerscouldn’treachtherequirementsinnationalcommercialbanks.Thereasonwhywearelackoftheconsciousnessoffinancialmanagement.Aswearedevelopingoureconomyinrecentyears,itresultsinalackoffinancialcultureandfinancialconsciousness.Firstly,peoplejusthavesomeeggmoney;theycanhardlyadjusttothelifestylewhichaddsthefinancemanagementintoit.Secondly,theinfluenceoftraditionalconceptandshortageofunderstandingthepersonalfinancialbusinessinbanksresultinthelackoffinancialconsciousnessandthedeficiencyofsenseofidentityandsafety.
ThereasonwhywearelakeofcultivationOurnationalcommercialbanksarelimitedbysystem,thinking,techniqueandobjectiveenvironmentandsomeinfluencessothatournationalcommercialbanks’scultivationstagnates,insomehigh—profitedarea,wecouldn’tkeepthepace.Andifwedon’tsolvetheproblemoflackofcultivation,itishardforustocompletewithforeignbanks.
4TheQuestionsExitinIndividualManagingFinancialServicesinCommercialBankofChina
Agoodfinancialplannershouldknoweverythingaboutaproductandhaveagoodknowledgeofsecurity,bank,insurance。
laws。
revenue,financeetc.Hemustbeexperiencedandgoodatcommunicationandorganizing.ButtheshortageofgoodfinancialplannersinChinaleadstotheirregularsellingofcommercialbanks’individualmanagingfinancialservices.RestrictedbyfinancialdemandandcustomNowadaysinChina,individualfinancialdemandisquitesmall.Therearemanyreasons.Firstly,itisunevendistributionofwealth,sotherefewpeoplereallyneedfinancing.SecondlyChinesearealwayslackofinvestmentandfinancialsenses.Thirdlyit'sChina’straditionthattheydon’tneedtohandtheirpropertytoothersforfinancingandthecommonopinionisnotletpeopleknowhowmuchmoneyhehas.Atlast,Chinesedon’tknowthemeaningandprocessoftheservices,anddon’tidentifytheindividualmanagingfinancialservices.Innovationdeficiency.Forquitesometime.commercialbanks’financialinnovationconsciousnessandcapabilityisnotstrong,levelislow,rangeisnarrowerandscientificandtechnologicalcontentofproductsislow.Usingtheeffecttobebad,especiallythatbusinessinnovationisbadlybackward,whichistheleadingcauseofindividualwealthmanagementproductshomogeneitylarge.
5ThePersonalFinancialServicesforBankofChinaYantaiBranch(BCYB)CameintoPractice
Toconnectthetheorywiththepresentsituationindevelopmentoftheservices.ThepersonalfinancialservicesforBankofChinaYantaiBranchhasbeenstudied.AndthesurveyshowedsomeadvantagesthatcanbelearnedinthespreadoftheservicesforBCYB.BCYB’Svalueisfocusedoncu