外文文献翻译我国商业银行个人理财业务的战略研究与发展现状.doc

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 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 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 businessthe margin of the interest rates turning increasingly narrowed and foreign banks competitionThese 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 also a major way of improving Intermediary business incomeThat business in our country is in the initial stagecompared to the developed one in western，theres still a long way to goThereforethe 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 promote the development of personal financial management business in our countryMeanwhilethe commercial banks are facing the new situation：the increasing danger in traditional businessthe margin of the interest rates turning increasingly narrowed and foreign banks competitionThese 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 commercial bankspersonal financial management business has the advantages of huge market capacity，low risk，wide range of business，and stable incomeFor those advantages the personal financial management business becomes commercial banksmain business and vital profits sourceIn western developed country，this kind of business almost gets into every familyIts business income has been account for banks 30Compared to the developed one in westerntheres still a long way to go but it has a bright market expectationHowever，our countrys personal financial management business is limited by some factors，for instance，the financial legal system，financial supervision system and the development of financial marketAs a resultit 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 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 and 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 citizens，the need of manage money matters operation becomes stronger and strongerThere 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 propertiesSecond，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 mechanismOn 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 money matters Under the circumstancesindividual money matters operation of commercial bank develops quicklyBut according to individual money matters operation situation of every commercial bankthere are still 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 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 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 CBRC(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 generalSince，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 beneficial and creative product is the value of manage money matters product afoot.During the wenchuan earthquake in，some banks give quickly reflect to the calamity and push out public beneficial and creative manage money matters productThis 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 Problems in Personal Financial Business in Our National Commercial Banks The 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 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 riskBut this kind of operation mode increases the cost of processing personal financial business in commercial banksand it is hard to make good resultsThe 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 the research of clients，as a resultnearly all the financial products are the sameThe reason why we have a shortage of highquality 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 reach the requirements in national commercial banksThe 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 itSecondly,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 commercial banks are limited by system,thinking,technique and objective environment and some influences so that our national commercial bankss cultivation stagnates,in some highprofited 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 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 must be experienced and good at communication and organizingBut 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 quite smallThere are many reasonsFirstly,it is uneven distribution of wealth，so there few people really need financing Secondly Chinese are always lack of investment and financial sensesThirdly its Chinas tradition that they dont need to hand their property to others for financing and the common opinion is not let people know how much money he hasAt last，Chinese dont know the meaning and process of the services，and dont identify the individual 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 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 servicesThe personal financial services for Bank of China Yantai Branch has been studiedAnd the survey showed some advantages that can be learned in the spread of the services for BCYBBCYBS value is focused on customers requirement and the protection for costumer benefitAnd 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 managing departmentsThe financial crisis warned the whole world in However,BCYB took advantages of this opportunity and disseminated the importance of the personal financial management and the risk escapingThis action broadened the field of costumers and developed the potential costumersFurthermore，BOC Group is making a comprehensive platform which includes financing，securitiesInsurance bonds etcAnd BCYBS Management method has turned from simplification into diversity The financing consultant group has been updated continuously since These experienced broad minded professional clients provide management services for clients from three aspects，including marketing，financial services and product innovationMeanwhile，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 scaleBCYB makes use of overseas branches net of China Bank to provide overseas value-added services，for instance，business travel，children Studying abroad for clientsBCYB has the disadvantages indeed and the innovation is inadequate and me technical conditions are restrictedIn addition，most business banks have suffered in personal financial managementHowever,as one of the first 50 national financial management centersBCYB individual financial service indeed has some bright points to be learned 6 Conclusion It is national special financial legal system to decide the personal financial business particularity in commercial banksWith the rapid development of our economy and regulationsthe personal financial management business increasingly reveals its valueand customer demand is growingThe commercial banks in our country should perfect themselves in terms of techniqueStaff,idea and strategy in order to makes itself be the engine in economy and make contributions to the construction of socialist modernization country 我国商业银行个人理财业务战略研究与发展现实状况 文摘:个人理财业务在我国正处在初期阶段，相对于西方发达国家,仍然有很长路要走。因此，我国商业银行需要努力开发和研究理财市场，建立卓越品牌形象和特殊服务；增长创新；变化产品从单一组合向多功能组合转变;建立和完善财务管理业务体系，以增进发展个人金融业务在我们国家发展。关键词:商业银行、个人理财、战略 1 简介 商业银行面临新形势：伴随外资银行侵入，理财市场竞争剧烈，不停增长危险使老式行业利润率增长幅度将越来越狭窄，商业银行应深入思索，找到自己发展非常缓慢原因,然后制定一种可行理财计划。个人理财业务不仅是商业银行推进综合管理战略一种重要载体，也是一种提高中间业务收入重要方式。个人理财在我国处在初始阶段，较西方发达国家相比，仍然存在着很大差距。因此，中国商业银行需要审查、研究和估计市场发展方向；打造卓越品牌形象和特殊服务；增长创新；变化产品从单一组合到多功能组合；建立和完善财务管理业务管理体系，以增进个人理财业务在我国商业银行发展。面对新形势：不停增长危险；在老式业务中，保证金利息率日益缩小；外资银行竞争日益增长。商业银行应当思索怎样在剧烈竞争中生存；找出发展障碍，然后提出了某些切实可行理财方略。在所有商业银行中，个人理财业务具有巨大市场容量、低风险、业务范围广泛、稳定收入特点。这些优势使个人理财业务成为商业银行重要业务和重要利润来源。在西方发达国家，此类业务几乎进入每个家庭，其理财业务收入已占银行总收入 30%。较西方发达国家想照，我国商业银行理财业务有一种光明市场前景。不过，我国个人理财业务受到下列某些原因限制，例如金融法律制度，金融监管制度，金融市场发展等。最终，在发展迅速同步也需要处理某些问题。2 中国工商银行理财发展现实状况、特点和存在问题 2.1 中国工商银行个人理财发展状况 中国工商银行理财运作过程中运用自身专业优势，如各类金融知识，专业技术和资金信誉，根据客户财务状况及投资需求，为客户提供专业服务活动，如财务分析与财务规划，投资顾问和资产管理等。近年来，伴随经济迅速发展，越来越多中国公民理财意识增强，理财需求变得越来越强烈。有如下几种原因：首先，当人们财产积累到一定程度，他们更关注怎样有效地保持和增长价值性能。另一方面，为推进住房，教育和医疗营销变革，家庭需要金融机构服务发明完善风险保障机制。另首先，我们已进入老龄化阶段，因此理财已成为诸多人实际需要，积累养老金就是理财一种状况。个人理财商业银行业务迅速发展，但根据个人理财运作状况，各商业银行还存在许多问题，使其难以发展个人理财操作。2.2 中国工商银行个人理财性状经营广告 由于个人理财商业银行业务刚刚起步，金融机构法律和规章，系统是尤其，因此相比于西方发达国家，我们有自己特质，信托计划产品成为一位领导者理财投资市场。近来，人们愈加重视风险状况时，他们选择管理理财产品。同步，由于银监会（中国银行业监督管理委员会）增长了其强度理财商业银行经营品种构造，理财产品变化了许多。自从，信用贷款产品大幅增长，成为领先各类银行理财产品，以其清晰投资，简朴构造，多种期限获取稳定收入。，公益和发明产品价值理财产品在汶川地震期间，某些银行反应迅速，由于劫难和推出公益性和发明性理财产品，此类理财产品是仁慈和关怀，这大大拓宽发展思绪银行理财操作，有效提高银行品牌价值和社会形象。3 我国商业银行个人金融业务存在问题 在我国商业银行个人金融业务中之因此存在这样多问题，不仅是由于一种单一元素，而是由于多方面原因。我们必须看清运作实践，政策法规，监管理念和措施在中国还没有跟上时代发展；我们仍然依托分业经营、分业管理关注金融风险。但这种运作模式，提高了商业银行个人金融业务加工成本，很难作出很好成绩。这就是为何所有产品均有相似品质原因。由于理财观念有限，我国商业银行个人金融业务还存在某些局限性。因此，几乎所有金融产品都是同样。我们之因此缺乏高素质金融管理能力培训财务经理，在我国尚不发达和心态相对落后发展中国家，因此最优秀管理者选择进入外资银行，管理者不能到达规定在全国性商业银行。我们之因此缺乏财务管理意识，是由于我们是发展中国家，经济发展落后，成果导致缺乏财务文化与财务意识。首先，用于理财只是有某些零碎小钱；后来人们很难适应这种生活方式，致使理财出现。另一方面，老式概念和认识局限性影响阻碍个人金融业务在银行发展，导致金融意识和缺乏理财认同感和安全。我国商业银行理财发展之因此是有限，由于思维，技术和客观环境和某些其他客观原因影响，我国商业银行培育停滞，在某些高利润区，我们不能保持发展速度。假如我们不处理问题，缺乏修养，它是我们很难完全与外资银行竞争。4 中国工商银行个人理财服务问题 一种好财务规划应当是懂得一切产品和有一种良好安全知识，银行，保险，法律，财务等。他必须有经验和良好沟通和组织能力，但缺乏良好理财规划师在中国导致不规则销售使商业银行个人理财服务限制金融需求与定制。如今在中国，个人金融需求相称小。有许多原因：首先，它是财富分派不均，因此很少有人真正需要融资。另一方面，中国人总是缺乏投资和金融感官。三是中国老式，他们不需要他们财产其他融资和共同见解是不让人懂得他有多少钱。创新缺乏相称一段时间，商业银行金融创新意识和能力不强，水平低，范围较窄，产品科技含量低。使用效果差，尤其是业务创新严重落后，这是导致个人理财产品同质性大。5 个人理财业务中国银行烟台分行（BCYB）来付诸实践连接理论与发展现实状况个人金融服务。服务为中国银行烟台分行进行了研究。并且调查显示，有某些优势，可以学到在传播服务 BCYB。BCYB 价值重点是客户需求和保护消费者利益。而财务管理体系不停完善。直到目前。金融中心，管理中心和 1680 个办事处已建成，包括各类名店是分布在不一样管理部门。金融危机警告全球。然而，BCYB 运用这个机会和传播重要性，个人理财和风险逃避。这一行动扩大领域客户和潜在客户开发。此外，中银集团是一种综合平台，包括金融，证券，保险和 BCYB 债券等。管理措施已由简化到多样性。融资顾问集团一直不停更新自。这些经验丰富心胸广阔专业客户为客户提供管理服务三个方面，包括市场营销，金融服务和产品创新。同步，以独特优势，中国银行在国内外汇，货币金融业务由 BCYB 继续保持绝对领先地位，在整个都市占领和规模.BCYB 运用海外分行中国银行海外网提供增值服务，例如，商务旅行，孩子留学客户端.BCYB 存在实际上和创新是不够，我技术条件限制。此外，大多数商业银行在个人理财。然而，作为首批 50 个国家金融管理中心.BCYB个人金融服务确实有某些亮点是学会。6 结论 国家特种金融法律制度决定了个人金融业务在商业银行特殊性。伴随我国经济迅速发展和规范，个人理财业务越来越显示其价值，与客户需求也不停增长。我国商业银行应完善自己在技术方面工作人员，观念和方略。为使自身引擎在经济作奉献，建设社会主义现代化国家。