我國商業(yè)銀行個人理財業(yè)務(wù)的戰(zhàn)略研究與發(fā)展現(xiàn)狀外文文獻(xiàn)翻譯

1、我國商業(yè)銀行個人理財業(yè)務(wù)的戰(zhàn)略研究與發(fā)展現(xiàn)狀外文文獻(xiàn)翻譯 The Development Status and Strategy Research of Commercial BanksPersonal Financial Management Business in China Abstract: The personal financial management business in our country is in the initial stage,compared to the developed one in western,theres still a long way to

2、 go,Therefore,the commercial 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 comprehensive;Establish and perfect financial management businessmanagement system in order to

3、 promote the development of personal financial business in our management country. Keywords:Commercial banks,Personal financial management,Strategy 1 Introduction The commercial banks are facing the new situation:the increasing danger in traditional business.the margin of the interest rates turning

4、increasingly narrowed and foreign banks competition.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 commercial banks to advance Comprehensive management s

5、trategy but also a major way of improving Intermediary business income.That business in our country is in the initial stagepared to the developed one in western,theres still a long way to go.Therefore.the commercial banks in china need to review and study to estimate market direction;build excellenc

6、e brand image and special services;Increase of innovation; change the products from single to comprehensive;Establish and perfect financial management businessmanagement system in order to promote the development of personal financial management business in our country.Meanwhile.the commercial banks

7、 are facing the new situation:the increasing danger in traditional business.the margin of the interest rates turning increasingly narrowed and foreign banks competition.These banks should think deeply to fend why that bus;mess develop so slowly and then put forward a feasible plan. Among all the bus

8、inesses in commercial banks.personal financial management business has the advantages of huge market capacity,low risk,wide range of business,and stable income.For those advantages the personal financial management business becomes commercial banksmain business and vital profits source.In western de

9、veloped country,this kind of business almost gets into every family.Its business income has been account for banks 30%pared to the developed one in western.theres still a long way to go but it has a bright market expectation.However,our countrys personal financial management business is limited by s

10、ome 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

11、 Commercial Bank of China 2.1 The development situation of individual money matters operation in commercial bank of China Manage money matters operation refers to commercial bank uses professional advantages like various kinds of financial knowledge,professional technique and wide fund credibility a

12、nd according to clientsfinancial position and investment requirement,provide clients with professional service activities,such as financial analysis.financial planning,investment counselor and assets management.Recently,as the fast developing economy of china and the accumulating property of citizen

13、s,the need of manage money matters operation becomes stronger and stronger.There are several reasons:first of all, when peoples properties accumulate to some degree,they concern more about how to effectively keep and increase the value of their properties.Second,as the pushing on housing,education a

14、nd medical treatment marketing revolution proceeding,families need the help of financial mechanism service to create a complete risk safeguard mechanism.On the other hand,we have already been in aging stage,thus it has become many peoples real need to accumulate part of their pension through manage

15、money matters.Under the circumstances.individual money matters operation of commercial bank develops quickly.But according to individual money matters operation situation of every commercial bank.there are still many problems that make it hard to develop individual money matters operation. 2.2 The t

16、rait of individual money matters operation in commercial bank of China As the individual money matters operation of commercial bank has just started,financial mechanism and laws and regulations systems are special,so compared to western developed countries,we have our own traits.Fiduciary loan produ

17、ct becomes the 1eader of manage money matters market Recently,invest people pay more attention to the risk situation of product when they choose manage money matters product.At the same time,because the CBRCchina banking regulatory commission adds its strength to manage money matters operation in co

18、mmercial bank,the breed structure of manage money matters product changed a lot in general.Since 2009,fiduciary loan product increased largely and become the leader in all kinds of banking manage money matters product for its clear investment, simple structure,various deadline,stable income. Public

19、beneficial and creative product is the value of manage money matters product afoot. During the wenchuan earthquake in 2008,some banks give quickly reflect to the calamity and push out public beneficial and creative manage money matters product.This kind of manage money matters product was themed as

20、benevolent and cares,which greatly widen the developing thought of banking manage money matters operation and validly promote brand value and social image of the bank. 3 The Reasons Why We Have Problems in Personal Financial Business in Our National Commercial Banks The reason why we have so many pr

21、oblems in personal financial business in our national commercial banks is not just because of one single element,but because of many aspects.The reason that we still take separate operation in practice .The policies and regulations.idea of supervision and measures in China still not keep pace with t

22、he development of era;we still rely on separate operation and separate management to keep watching to the financial risk.But this kind of operation mode increases the cost of processing personal financial business in commercial banks.and it is hard to make good results.The reason why all the product

23、s have the same quality. As it is limited by the idea,the analysis of personal finance business from our commercial banks are not totally correct,there still exists some deficiencies to the research of clients,as a result.nearly all the financial products are the same.The reason why we have a shorta

24、ge 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 couldnt re

25、ach the requirements in national commercial 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

26、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

27、 are lake of cultivation Our national commercial banks are limited by system, thinking, technique and objective environment and some influences so that our national commercial bankss cultivation stagnates, in some high?profited area,we couldnt keep the pace.And if we dont solve the problem of lack o

28、f cultivation,it is hard for us to complete 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。laws。revenue,finance etc.He

29、 must be experienced and good at communication and organizing.But the shortage of good financial planners in China leads to the irregular selling of commercial banks individual managing financial services. Restricted by financial demand and custom Nowadays in China ,individual financial demand is qu

30、ite small.There are many reasons.Firstly, it is uneven distribution of wealth,so there few people really need financing.Secondly Chinese are always lack of investment and financial senses.Thirdly it's Chinas tradition that they dont need to hand their property to others for financing and the com

31、mon opinion is not let people know how much money he has.At last,Chinese dont know the meaning and process of the services,and dont identify the individual managing financial services.Innovation deficiency.For quite some timemercial banksfinancial innovation consciousness and capability is not stron

32、g,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

33、Bank of China Yantai BranchBCYB 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

34、for BCYB.BCYBS value is focused on customers requirement and the protection for costumer benefit.And the financial management system has been consummated.Till now.a financial center,16 management center and 80 offices have been built,including all kinds of shoppes which is spread during diffident ma

35、naging departments.The financial crisis warned the whole world in 2009.However, BCYB took advantages of this opportunity and disseminated the importance of the personal financial management and the risk escaping.This action broadened the field of costumers and developed the potential costumers.Furth

36、ermore,BOC Group is making a comprehensive platform which includes financing,securities.Insurance bonds etc.And BCYBS Management method has turned from simplification into diversity.The financing consultant group has been updated continuously since 2005.These experienced broad minded professional cl

37、ients provide management services for clients from three aspects,including marketing,financial services and product innovation.Meanwhile,taking the unique advantage of China Bank in domestic foreign exchange area,currency financial business run by BCYB continues to keep an absolute leading position

38、in the whole a city in occupation and scale.BCYB makes use of overseas branches net of China Bank to provide overseas value-added services,for instance,business travel,children Studying abroad for clients.BCYB has the disadvantages indeed and the innovation is inadequate and me technical conditions

39、are restricted.In addition,most business banks have suffered in personal financial management.However, as one of the first 50 national financial management centers.BCYB individual financial service indeed has some bright points to be learned. 6 Conclusion It is national special financial legal syste

40、m to decide the personal financial business particularity in commercial banks.With the rapid development of our economy and regulations.the personal financial management business increasingly reveals its value.and customer demand is growing.The commercial banks in our country should perfect themselv

41、es in terms of technique.Staff, idea and strategy in order to makes itself be the engine in economy and make contributions to the construction of socialist modernization country. 我國商業(yè)銀行個人理財業(yè)務(wù)的戰(zhàn)略研究與發(fā)展現(xiàn)狀 文摘:個人理財業(yè)務(wù)在我國正處于初期階段,相對于西方發(fā)達(dá)國家,依然有很長的路要走。因此,我國商業(yè)銀行需要努力開發(fā)和研究理財市場,建立卓越的品牌形象和特殊服務(wù);增加創(chuàng)新;改變產(chǎn)品從單一組合向多功能組合

42、轉(zhuǎn)變;建立和完善財務(wù)管理業(yè)務(wù)體系,以促進(jìn)發(fā)展個人金融業(yè)務(wù)在我們國家的發(fā)展。 關(guān)鍵詞:商業(yè)銀行、個人理財、戰(zhàn)略1介紹 商業(yè)銀行面臨的新形勢:隨著外資銀行的侵入,理財市場競爭激烈,不斷增加的危險使傳統(tǒng)行業(yè)利潤率增長幅度將越來越狹窄,商業(yè)銀行應(yīng)深入思考,找到自己發(fā)展非常緩慢的原因,然后制定一個可行的理財計劃。個人理財業(yè)務(wù)不僅是商業(yè)銀行推進(jìn)綜合管理戰(zhàn)略的一個重要載體,也是一個提高中間業(yè)務(wù)收入的主要方式。個人理財在我國處于初始階段,較西方發(fā)達(dá)國家相比,仍然存在著很大的差距。 因此,中國商業(yè)銀行需要審查、研究和估計市場發(fā)展方向;打造卓越品牌形象和特殊服務(wù);增加創(chuàng)新;改變產(chǎn)品從單一組合到多功能組合;建立和完

43、善財務(wù)管理業(yè)務(wù)管理體系,以促進(jìn)個人理財業(yè)務(wù)在我國商業(yè)銀行的發(fā)展。面對新的形勢:不斷增長的危險;在傳統(tǒng)業(yè)務(wù)中,保證金的利息率日益縮小;外資銀行的競爭日益增加。商業(yè)銀行應(yīng)該思考如何在激烈的競爭中生存;找出發(fā)展的障礙,然后提出了一些切實可行的理財策略。在所有的商業(yè)銀行中,個人理財業(yè)務(wù)具有巨大的市場容量、低風(fēng)險、業(yè)務(wù)范圍廣泛、穩(wěn)定的收入的特點。這些優(yōu)勢使的個人理財業(yè)務(wù)成為商業(yè)銀行的主要業(yè)務(wù)和重要利潤的來源。在西方發(fā)達(dá)國家,這類業(yè)務(wù)幾乎進(jìn)入每個家庭,其理財業(yè)務(wù)收入已占銀行總收入的30%。較西方發(fā)達(dá)國家想照,我國商業(yè)銀行理財業(yè)務(wù)有一個光明的市場前景。但是,我國的個人理財業(yè)務(wù)受到下列一些因素的限制,例如金融

44、法律制度,金融監(jiān)管制度,金融市場的發(fā)展等。最終,在發(fā)展快速的同時也需要解決一些問題 。2中國工商銀行理財發(fā)展現(xiàn)狀、特點和存在的問題2.1中國工商銀行個人理財發(fā)展情況 中國工商銀行理財運作過程中利用自身的專業(yè)優(yōu)勢,如各類金融知識,專業(yè)技術(shù)和資金信譽,根據(jù)客戶的財務(wù)狀況及投資需求,為客戶提供專業(yè)服務(wù)活動,如財務(wù)分析與財務(wù)規(guī)劃,投資顧問和資產(chǎn)管理等。近年來,隨著經(jīng)濟(jì)的快速發(fā)展,越來越多的中國公民理財意識增強,理財需求變得越來越強烈。有以下幾個原因:首先,當(dāng)人們的財產(chǎn)積累到一定程度,他們更關(guān)注如何有效地保持和增加價值的性能。其次,為推進(jìn)住房,教育和醫(yī)療營銷變革,家庭需要金融機構(gòu)的服務(wù)創(chuàng)造完善的風(fēng)險保障

45、機制。另一方面,我們已進(jìn)入老齡化階段,因此理財已成為很多人的實際需要,積累的養(yǎng)老金就是理財?shù)囊环N情況。個人理財商業(yè)銀行業(yè)務(wù)快速發(fā)展,但根據(jù)個人理財?shù)倪\作情況,各商業(yè)銀行還存在許多問題,使其難以發(fā)展個人理財操作。2.2中國工商銀行個人理財性狀的經(jīng)營廣告 由于個人理財商業(yè)銀行業(yè)務(wù)剛剛起步,金融機構(gòu)的法律和規(guī)章,系統(tǒng)是特別的,所以相比于西方發(fā)達(dá)國家,我們有自己的特質(zhì),信托計劃產(chǎn)品成為一位領(lǐng)導(dǎo)者的理財投資市場。最近,人們更加注重風(fēng)險狀況時,他們選擇管理理財產(chǎn)品。同時,由于銀監(jiān)會(中國銀行業(yè)監(jiān)督管理委員會)增加了其強度理財商業(yè)銀行經(jīng)營的品種結(jié)構(gòu),理財產(chǎn)品改變了許多。自從2009,信用貸款產(chǎn)品大幅增加,成為領(lǐng)先的各類銀行理財產(chǎn)品,以其清晰的投資,簡單的結(jié)構(gòu),各種期限獲取穩(wěn)定的收入。2008年,公益和創(chuàng)造產(chǎn)品價值的理財產(chǎn)品在汶川地震期間,一些銀行反映迅速,由于災(zāi)難和推出公益性和創(chuàng)造性的理財產(chǎn)品,這類理財產(chǎn)品是仁慈和關(guān)心,這大大拓寬發(fā)展思路銀行理財操作,有效提升銀行品牌價值和社會形象。3我國商業(yè)銀行個