外文文獻(xiàn)翻譯(我國(guó)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)

1、The Development Status and Strategy Research of Commercial Banks Personal Financial Management Business in ChinaAbstract: The personal financial management business in our country is in the initial stage, compared to the developed one in western, there s still a long way to go, Therefore , the comme

2、rcial 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 o rder to promote the dev

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

4、arrowed 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 strategy but

5、 also a major way of improving Intermediary business income . That business in our country is in the initial stage . compared 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 exce

6、llence 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 co

7、mmercial banks 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 pla

8、n . Among all the businesses in commercial banks . personal financial management business has the advantages of huge market capacity, low risk, widerange of business , and stable income . For those advantages the personal financial m anagement business becomes commercial banksmain business and vital

9、 profits source . In western developed country, this kind of business almost gets into every family . Its business income has been account for banks 30%. Compared to the developed one in western. theres still a long way to go but it has a bright market expectation . However , our countrys personal f

10、inancial 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 Exist

11、ing Problem of Individual Manage Matters Operation in Commercial Bank of China 2.1 The development situation of individual money matters operation in commercial bank of ChinaManage money matters operation refers to commercial bank uses professional advantages like various kinds of financial knowledg

12、e , professional technique and wide fund credibility and according t o 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 dev

13、eloping economy of china and the accumulating property of citizens, the need of manage money matters operation becomes stronger and stronger. There are several reasons:first of all, when people s properties accumulate to some degree, they concern more about how to effectively keep and increase the v

14、alue of their properties . Second , as the pushing on housing , education and 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 b

15、ecome many peoples real need to accumulate part of their pension through manage 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

16、many problems that make it hard to develop individual money matters operation.2.2 The trait of individual money matters operation in commercial bank of ChinaAs the individual money matters operation of commercial bank has just started, financial mechanism and laws and regulations systems are special

17、, so compared to western developed countries, we have our own traits. Fiduciary loan product 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 CB

18、RC(china banking regulatory commission adds its strength to manage money matters operation in commercial 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

19、 matters product for its clear investment, simple structure , various deadline , stable income . Public 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 bene

20、ficial and creative manage money matters product. This kind of manage money matters product was themed as 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

21、Problems in Personal Financial Business in Our National Commercial BanksThe reason why we have so many problems 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

22、practice .The policies and regulations. idea of supervision and measures in China still not keep pace with the 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 pers

23、onal financial business in commercial 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 commercial banks are not totally correct, there still exists some deficiencies to t

24、heresearch 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

25、, 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 commercial banks. The reason why we are lack of the consciousness of financial management .As we are developing our economy in recent years, it resul

26、ts 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

27、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 commercial banks are limited by system, thinking, technique and objective environment and some influences so that our national commercial b

28、ankss cultivation stagnates, in some high profited area, we couldnt keep the pace. And if we dont solve the problem of lack of cultivation, it is hard for us to complete with foreign banks.4 The Questions Exit in Individual Managing Financial Services in Commercial Bank of ChinaA good financial plan

29、ner should know everything about a product and have a good knowledge of security, bank, insurance 。 laws 。 revenue , finance etc . He 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

30、individual managing financial services. Restricted by financial demand and custom Nowadays in China ,individual financial demand is quite 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 inv

31、estment and financial senses . Thirdly its China s tradition that they don t need to hand their property to others for financing and the common opinion is not let people know how much money he has. At last, Chinese don t know the meaning and process of the services, anddon t identify the individual

32、managing financial services. Innovation deficiency. For quite some time. commercial banksfinancial 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

33、 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 PracticeTo connect the theory with the present situation in development of the services . The persona

34、l 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. BCYBS value is focused on customers requirement and the protection for costumer benefit . And the financial management system has

35、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 managing departments . The financial crisis warned the whole world in 2009. However, BCYB took advantages of this opportunity and disse

36、minated the importance of the personal financial management and the risk escaping . This action broadened the field of costumers and developed the potential costumers . Furthermore , BOC Group is making a comprehensive platform which includes financing , securities . Insurance bonds etc . And BC YBS

37、 Management method has turned from simplification into diversity . The financing consultant group has been updated continuously since 2005. These experienced broad minded professional clients provide management services for clients from three aspects, including marketing, financial services and prod

38、uct 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 in the whole a city in occupation and scale . BCYB makes use of overseas branches net of China Bank to prov

39、ide 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 are restricted. In addition, most business banks have suffered inpersonal financial management .

40、However, as one of the first 50 national financial management centers . BCYB individual financial service indeed has some bright points to be learned.6 ConclusionIt is national special financial legal system to decide the personal financial business particularity in commercial banks . With the rapid

41、 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 themselves in terms of technique. Staff, idea and strategy in order to makes itself be the engin

42、e in economy and make contributions to the construction of socialist modernization country.我國(guó)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)狀文摘 :個(gè)人理財(cái)業(yè)務(wù)在我國(guó)正處于初期階段, 相對(duì)于西方發(fā)達(dá)國(guó)家 , 依然有很 長(zhǎng)的路要走。 因此, 我國(guó)商業(yè)銀行需要努力開(kāi)發(fā)和研究理財(cái)市場(chǎng), 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轉(zhuǎn)變 ; 建立和 完善財(cái)務(wù)管理業(yè)務(wù)體系,以促進(jìn)發(fā)展個(gè)人金融業(yè)務(wù)在我們國(guó)家的發(fā)展。關(guān)鍵詞 :商業(yè)銀行、個(gè)人理財(cái)、戰(zhàn)略1介紹商業(yè)銀行面臨的新形勢(shì):隨著外資銀行的侵入

43、, 理財(cái)市場(chǎng)競(jìng)爭(zhēng)激烈, 不斷增 加的危險(xiǎn)使傳統(tǒng)行業(yè)利潤(rùn)率增長(zhǎng)幅度將越來(lái)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(gè)可行的理財(cái)計(jì)劃。個(gè)人理財(cái)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(gè)重要載體, 也是一個(gè)提高中間業(yè)務(wù)收入的主要 方式。 個(gè)人理財(cái)在我國(guó)處于初始階段, 較西方發(fā)達(dá)國(guó)家相比, 仍然存在著很大的 差距。因此, 中國(guó)商業(yè)銀行需要審查、 研究和估計(jì)市場(chǎng)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; 建立和完善財(cái)務(wù) 管理業(yè)務(wù)管理體系, 以促進(jìn)個(gè)人理財(cái)業(yè)務(wù)在我國(guó)商業(yè)銀行的發(fā)展。 面對(duì)新的形勢(shì):不斷增長(zhǎng)的危險(xiǎn); 在傳統(tǒng)業(yè)務(wù)中

44、, 保證金的利息率日益縮小; 外資銀行的競(jìng)爭(zhēng)日 益增加。 商業(yè)銀行應(yīng)該思考如何在激烈的競(jìng)爭(zhēng)中生存; 找出發(fā)展的障礙, 然后提 出了一些切實(shí)可行的理財(cái)策略。 在所有的商業(yè)銀行中, 個(gè)人理財(cái)業(yè)務(wù)具有巨大的 市場(chǎng)容量、低風(fēng)險(xiǎn)、業(yè)務(wù)范圍廣泛、穩(wěn)定的收入的特點(diǎn)。這些優(yōu)勢(shì)使的個(gè)人理財(cái) 業(yè)務(wù)成為商業(yè)銀行的主要業(yè)務(wù)和重要利潤(rùn)的來(lái)源。 在西方發(fā)達(dá)國(guó)家, 這類業(yè)務(wù)幾 乎進(jìn)入每個(gè)家庭, 其理財(cái)業(yè)務(wù)收入已占銀行總收入的 30%。 較西方發(fā)達(dá)國(guó)家想照, 我國(guó)商業(yè)銀行理財(cái)業(yè)務(wù)有一個(gè)光明的市場(chǎng)前景。 但是, 我國(guó)的個(gè)人理財(cái)業(yè)務(wù)受到 下列一些因素的限制,例如金融法律制度,金融監(jiān)管制度,金融市場(chǎng)的發(fā)展等。 最終,在發(fā)展快速的同

45、時(shí)也需要解決一些問(wèn)題 。2中國(guó)工商銀行理財(cái)發(fā)展現(xiàn)狀、特點(diǎn)和存在的問(wèn)題2.1中國(guó)工商銀行個(gè)人理財(cái)發(fā)展情況中國(guó)工商銀行理財(cái)運(yùn)作過(guò)程中利用自身的專業(yè)優(yōu)勢(shì), 如各類金融知識(shí), 專業(yè) 技術(shù)和資金信譽(yù),根據(jù)客戶的財(cái)務(wù)狀況及投資需求,為客戶提供專業(yè)服務(wù)活動(dòng),如財(cái)務(wù)分析與財(cái)務(wù)規(guī)劃, 投資顧問(wèn)和資產(chǎn)管理等。 近年來(lái), 隨著經(jīng)濟(jì)的快速發(fā)展, 越來(lái)越多的中國(guó)公民理財(cái)意識(shí)增強(qiáng), 理財(cái)需求變得越來(lái)越強(qiáng)烈。 有以下幾個(gè)原因:首先, 當(dāng)人們的財(cái)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(jià)值的 性能。其次,為推進(jìn)住房,教育和醫(yī)療營(yíng)銷變革,家庭需要金融機(jī)構(gòu)的服務(wù)創(chuàng)造 完善的風(fēng)險(xiǎn)保障機(jī)制。 另一方面, 我們已進(jìn)入老齡化階

46、段, 因此理財(cái)已成為很多 人的實(shí)際需要, 積累的養(yǎng)老金就是理財(cái)?shù)囊环N情況。 個(gè)人理財(cái)商業(yè)銀行業(yè)務(wù)快速 發(fā)展, 但根據(jù)個(gè)人理財(cái)?shù)倪\(yùn)作情況, 各商業(yè)銀行還存在許多問(wèn)題, 使其難以發(fā)展 個(gè)人理財(cái)操作。2.2中國(guó)工商銀行個(gè)人理財(cái)性狀的經(jīng)營(yíng)廣告由于個(gè)人理財(cái)商業(yè)銀行業(yè)務(wù)剛剛起步, 金融機(jī)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(guó)家, 我們有自己的特質(zhì), 信托計(jì)劃產(chǎn)品成為一位領(lǐng)導(dǎo) 者的理財(cái)投資市場(chǎng)。最近,人們更加注重風(fēng)險(xiǎn)狀況時(shí),他們選擇管理理財(cái)產(chǎn)品。 同時(shí), 由于銀監(jiān)會(huì) (中國(guó)銀行業(yè)監(jiān)督管理委員會(huì) 增加了其強(qiáng)度理財(cái)商業(yè)銀行經(jīng) 營(yíng)的品種結(jié)構(gòu),理財(cái)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(cái)產(chǎn)品, 以其清晰的投資, 簡(jiǎn)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(jià)值的理財(cái)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(cái)產(chǎn)品, 這類理財(cái)產(chǎn)品是仁慈和 關(guān)心,這大大拓寬發(fā)展思路銀行理財(cái)操作,有效提升銀行品牌價(jià)值和社會(huì)形象。 3我國(guó)商業(yè)銀行個(gè)人金融業(yè)務(wù)存在的問(wèn)題在我國(guó)商業(yè)銀行個(gè)人金融業(yè)務(wù)中之所以存在這么多的問(wèn)題, 不僅是因?yàn)橐粋€(gè) 單一的元素,而是由于多方面的原因。我們必須看清