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.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.docx

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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

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’Svalueisfocusedoncust