外文文獻(xiàn)翻譯(我國商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的戰(zhàn)略研究與發(fā)展現(xiàn)狀)-其他專業(yè)(已修改)
2025-02-04 08:59 本頁面
【正文】 1 The Development Status and Strategy Research of Commercial Banks’Personal Financial Management Business in China Abstract: The personal financial management business in our country is in the initial stage， pared to the developed one in western， there’s still a long way to go，Therefore， the mercial banks in china need to review and study to estimate market direction； build excellence brand image and special services； Increase of innovation；change the products from single to prehensive； Establish and perfect financial management business’management system in order to promote the development of personal financial business in our management country． Keywords： Commercial banks， Personal financial management， Strategy 1 Introduction The mercial banks are facing the new situation： the increasing danger in traditional business． the margin of the interest rate’s turning increasingly narrowed and foreign bank’s petition． These banks should think deeply to find why that business develop so slowly and then put forward a feasible plan． The personal financial management business is not only an important carrier for mercial banks to advance Comprehensive management strategy but also a major way of improving Intermediary business ine ． That business in our country is in the initial stage． pared to the developed one in western， there’s still a long way to go． Therefore． the mercial banks in china need to review and study to estimate market direction； build excellence brand image and special services； Increase of innovation； change the products from single to prehensive； Establish and perfect financial management business’management system in order to promote the development of personal financial management business in our country． Meanwhile． the mercial banks are facing the new situation： the increasing danger in traditional business． the margin of the interest rate’s turning increasingly narrowed and foreign bank’s petition． These banks should think deeply to fend why that bus； mess develop so slowly and then put forward a feasible plan． Among all the businesses in mercial banks． personal financial management business has the advantages of huge market capacity， low risk， wide 2 range of business， and stable ine． For those advantages the personal financial management business bees mercial banks’main business and vital profits source． In western developed country， this kind of business almost gets into every family． Its business ine has been account for bank’s 30％． Compared to the developed one in western． there’s still a long way to go but it has a bright market expectation． However， our country’s personal financial management business is limited by some factors， for instance， the financial legal system， financial supervision system and the development of financial market． As a result． it brings some problems that need to be done while developing rapidly． 2 The Development Situation， Trait and Existing Problem of Individual Manage Matters Operation in Commercial Bank of China The development situation of individual money matters operation in mercial
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