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)-全文預(yù)覽
【正文】 cial banks． and it is hard to make good results． The reason why all the products have the same quality. As it is limited by the idea， the analysis of personal finance business from our mercial banks are not totally correct， there still exists some deficiencies to the 4 research of clients， as a result． nearly all the financial products are the same． The reason why we have a shortage of high— quality financial manager The capability of training finance managers in our country is still undeveloped and the mentality relatively falls behind with developing countries， so most of excellent managers choose to enter foreign banks, and it will be reasonable that the managers couldn’t reach the requirements in national mercial banks． The reason why we are lack of the consciousness of financial management .As we are developing our economy in recent years, it results in a lack of financial culture and financial consciousness． Firstly, people just have some egg money； they can hardly adjust to the life style which adds the finance management into it． Secondly, the influence of traditional concept and shortage of understanding the personal financial business in banks result in the lack of financial consciousness and the deficiency of sense of identity and safety． The reason why we are lake of cultivation Our national mercial banks are limited by system, thinking, technique and objective environment and some influences so that our national mercial banks’s cultivation stagnates, in some high— profited area， we couldn’t keep the pace． And if we don’t solve the problem of lack of cultivation， it is hard for us to plete with foreign banks． 4 The Questions Exit in Individual Managing Financial Services in Commercial Bank of China A good financial planner should know everything about a product and have a good knowledge of security, bank， insurance。s China’s tradition that they don’t need to hand their property to others for financing and the mon opinion is not let people know how much money he has． At last， Chinese don’t know the meaning and process of the services， and 5 don’t identify the individual managing financial services． Innovation deficiency． For quite some time． mercial banks’financial innovation consciousness and capability is not strong， level is low, range is narrower and scientific and technological content of products is low． Using the effect to be bad， especially that business innovation is badly backward， which is the leading cause of individual wealth management products homogeneity large． 5 The Personal Financial Services for Bank of China Yantai Branch(BCYB) Came into Practice To connect the theory with the present situation in development of the services． The personal financial services for Bank of China Yantai Branch has been studied． And the survey showed some advantages that can be learned in the spread of the services for BCYB． BCYB’S value is focused on customers requirement and the protection for costumer benefit． And the financial management system has been consummated
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