淺談我國銀行個人理財業(yè)務定稿-展示頁
2025-07-06 11:40本頁面
【正文】 tenance its different services provided in the course of banks’financial the same time，in order to enhance the quality of financial management, improving mercial bank39。s personal finance business,change sales pattern and design personalized products and services is to be solved.Personal financial services are the business provided by the mercial provide tailored package of financial services for individuals or families,so as to resist risks and preserve and increase the value of is valueadded，personalized，prehensive，specialized，electronic networks and so the 1990s,China39。s mercial banks began to flourish personal financial business the one hand,mercial banks’personal financial services can meet resident’s needs of preserving and increasing the value of assets,on the other hand,the services can increase intermediate business ine and the profits of can change the mode of growth。同時，還應完善商業(yè)銀行的客戶關系管理系統(tǒng)，提高理財客戶經(jīng)理的素質與團隊合作，并為客戶提供最優(yōu)質貼心的服務。但是，在目標市場定位、產(chǎn)品和服務創(chuàng)新、客戶經(jīng)理的培訓等方面仍存在差距。個人理財業(yè)務是商業(yè)銀行為個人或家庭量身提供一攬子金融服務，以實現(xiàn)資產(chǎn)抵抗風險、保值增值為目的，具有個性化、綜合性、專業(yè)化、網(wǎng)絡電子化等特點。然而，個人理財業(yè)務在我國還屬新生事物，盡管各家銀行的理財新品不斷推出，但還是存在具有明顯的同質性，還遠不能滿足居民的理財需求，營銷模式滯后，理財業(yè)務監(jiān)管缺失等諸多問題。淺談我國銀行個人理財業(yè)務摘 要進入21世紀以后，我國商業(yè)銀行的個人理財業(yè)務開始蓬勃發(fā)展。商業(yè)銀行開展個人理財業(yè)務，一方面有利于滿足居民資產(chǎn)保值增值的需求，另一方面還有利于商業(yè)銀行增加中間業(yè)務收入，轉變銀行的利潤增長方式，提高商業(yè)銀行的競爭力，進而更好地面對外資銀行的挑戰(zhàn)。面對這一現(xiàn)實，如何發(fā)展我國商業(yè)銀行的個人理財業(yè)務，不斷開發(fā)設計出真正適應市場需求的個性化產(chǎn)品，為客戶提供全方位的優(yōu)質服務，改變營銷模式，加強監(jiān)管成為我國商業(yè)銀行個人理財業(yè)務發(fā)展亟待解決的問題。自20世紀90年代，我國各家商業(yè)銀行相繼開辦個人理財業(yè)務，市場規(guī)模逐漸擴大。為了促進個人理財業(yè)務的健康發(fā)展，我國商業(yè)銀行應切實做到明確個人理財業(yè)務的戰(zhàn)略目標，樹立“以客戶為中心”的經(jīng)營理念，在細分客戶的基礎上，將重點放在中端客戶的開發(fā)與維護上，在為其提供全方位差異化服務的過程中，樹立商業(yè)銀行的理財品牌?！娟P鍵詞】商業(yè)銀行 個人理財業(yè)務 理財產(chǎn)品 人才匱乏AbstractAfter entering the 21st century,China39。enhance the petitiveness of mercial banks,so as to better face the foreign capital banks to the ,personal financing in China is a novelty,although each bank has introduced new financial management. The product has obvious homogeneity,and unable to meet the financial needs of the residents,sales pattern underdeveloped, financial Services supervise shorting and so on so many with this reality,how to develop China39。s mercial banks have offered various personal finance businesses,the size of the market gradually expanding. However,mercial banks personal financial business still have problems in the targeting market position,product and service innovation,training of the client order to promote personal finance business,China’s mercial banks should learn personal financial business39。s customer relationship management system and customer service repr
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