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、<p>　　The Development Status and Strategy Research of Commercial Banks’Personal Financial Management Business in China</p><p>　　Abstract: The personal financial management business in our country is in

2、the initial stage，compared to the developed one in western，there’s 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 spe

3、cial services；Increase of innovation；change the products from single to comprehensive；Establish and perfect financial management business’management system in order to promote the development of personal</p>&l

4、t;p>　　Keywords：Commercial banks，Personal financial management，Strategy</p><p>　　1 Introduction </p><p>　　The commercial banks are facing the new situation：the increasing danger in traditional

5、 business．the margin of the interest rate’s turning increasingly narrowed and foreign bank’s competition．These banks should think deeply to find why that business develop so slowly and then put forward a feasible plan． T

6、he 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 busine</p><p>　　2 T

7、he Development Situation，Trait and Existing Problem of Individual Manage Matters Operation in Commercial Bank of China</p><p>　　2.1 The development situation of individual money matters operation in commerci

8、al bank of China </p><p>　　Manage money matters operation refers to commercial bank uses professional advantages like various kinds of financial knowledge，professional technique and wide fund credibility and

9、 according to clients’financial position and investment requirement，provide clients with professional service activities，such as financial analysis．financial planning，investment counselor and assets management．Recently，a

10、s the fast developing economy of china and the accumulating property of citizens，the need of manage </p><p>　　2.2 The trait of individual money matters operation in commercial bank of China</p><p&

11、gt;　　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．Fiduci

12、ary 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

13、RC(china banking regulatory commission) adds its strength to mana</p><p>　　3 The Reasons Why We Have Problems in Personal Financial Business in Our National Commercial Banks</p><p>　　The reason

14、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 pract

15、ice .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

16、 risk．But this kind of operation mode increases </p><p>　　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

17、deficiencies to the 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

18、country is still undeveloped and the mentality relatively falls behind with developing countries，so most of excellent managers choos</p><p>　　The reason why we are lake of cultivation Our national commercial

19、 banks are limited by system, thinking, technique and objective environment and some influences so that our national commercial banks’s cultivation stagnates, in some high—profited area，we couldn’t keep the pace．And i

20、f we don’t solve the problem of lack of cultivation，it is hard for us to complete with foreign banks．</p><p>　　4 The Questions Exit in Individual Managing Financial Services in Commercial Bank of China

21、 </p><p>　　A good financial planner should know everything about a product and have a good knowledge of security, bank，insurance。laws。revenue，fina

22、nce 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’ individual managing financial service

23、s． Restricted by financial demand and custom Nowadays in China ,individual financial demand is quite small．There are many reasons．Firstly, it is</p><p>　　5 The Personal Financial Services for Bank of China

24、Yantai Branch(BCYB) Came into Practice</p><p>　　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 studie

25、d．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 sys

26、tem has been consummated．Till now．a(chǎn) financial center,16 management center and 80 offices have been built，including all ki</p><p>　　6 Conclusion</p><p>　　It is national special financial legal sy

27、stem 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．a(chǎn)nd cu

28、stomer 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 engine in economy and make contributions to the

29、 construction of s</p><p>　　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</p><p>　　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)

30、展。</p><p>　　關(guān)鍵詞:商業(yè)銀行、個(gè)人理財(cái)、戰(zhàn)略</p><p><b>　　1介紹</b></p><p>　　商業(yè)銀行面臨的新形勢(shì)：隨著外資銀行的侵入，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

31、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。</p><p>　　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，保證金的利息率日益縮?。煌?/p>

32、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

33、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)展快速的同時(shí)也需要解決一些問(wèn)題 。</p><p>　　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</p><p>　　2.1中國(guó)工商銀行個(gè)人理財(cái)發(fā)展情況</p><p>　　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，

34、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

35、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。</p><p>　　2.2中國(guó)工商銀行個(gè)人理財(cái)性狀的經(jīng)營(yíng)廣告</p><p>　　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

36、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。</p>&

37、lt;p>　　3我國(guó)商業(yè)銀行個(gè)人金融業(yè)務(wù)存在的問(wèn)題</p><p>　　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。我們必須看清運(yùn)作實(shí)踐，政策法規(guī)，監(jiān)管理念和措施在中國(guó)還沒(méi)有跟上時(shí)代的發(fā)展；我們?nèi)匀灰揽糠謽I(yè)經(jīng)營(yíng)、分業(yè)管理關(guān)注的金融風(fēng)險(xiǎn)。但這種運(yùn)作模式，提高了商業(yè)銀行個(gè)人金融業(yè)務(wù)的加工成本，很難作出很好的成績(jī)。這就是為什么所有的產(chǎn)品都有相同的品質(zhì)的原因。

38、由于理財(cái)觀念有限，我國(guó)商業(yè)銀行個(gè)人金融業(yè)務(wù)還存在一些不足。因此，幾乎所有的金融產(chǎn)品都是一樣的。我們之所以缺乏高素質(zhì)的金融管理能力培訓(xùn)財(cái)務(wù)經(jīng)理，在我國(guó)尚不發(fā)達(dá)和心態(tài)相對(duì)落后的發(fā)展中國(guó)家，所以最優(yōu)秀的管理者選擇進(jìn)入外資銀行，管理者不能達(dá)到要求在全國(guó)性商業(yè)銀行。我們之所以缺乏財(cái)務(wù)管理意識(shí)，是因?yàn)槲覀兪前l(fā)展中國(guó)家，經(jīng)濟(jì)發(fā)展落后，結(jié)果導(dǎo)致缺乏財(cái)務(wù)文化與財(cái)務(wù)意識(shí)。首先，用于理財(cái)?shù)闹皇怯幸恍┝闼榈男″X；后來(lái)人們很難適應(yīng)這種生活方式，致使理財(cái)?shù)某霈F(xiàn)。其

39、次，傳統(tǒng)的概念和認(rèn)識(shí)不足的影響阻礙個(gè)人金融業(yè)務(wù)在銀行的發(fā)展，導(dǎo)致的金融意識(shí)和缺乏理財(cái)認(rèn)同感和安全。</p><p>　　我國(guó)商業(yè)銀行理財(cái)發(fā)展之所以是有限的，因?yàn)樗季S，技術(shù)和客觀環(huán)境和一些其他客觀因素的影響，我國(guó)商業(yè)銀行培育停滯，在一些高利潤(rùn)區(qū)，我們不能保持發(fā)展速度。如果我們不解決問(wèn)題，缺乏修養(yǎng)，它是我們很難完全與外資銀行競(jìng)爭(zhēng)的。</p><p>　　4中國(guó)工商銀行個(gè)人理財(cái)服務(wù)問(wèn)題</

40、p><p>　　一個(gè)好的財(cái)務(wù)規(guī)劃應(yīng)該是知道一切產(chǎn)品和有一個(gè)良好的安全知識(shí)，銀行，保險(xiǎn)，法律，財(cái)務(wù)等。他必須有經(jīng)驗(yàn)和良好的溝通和組織能力，但缺乏良好的理財(cái)規(guī)劃師在中國(guó)導(dǎo)致的不規(guī)則的銷售使的商業(yè)銀行個(gè)人理財(cái)服務(wù)的限制金融需求與定制。如今在中國(guó)，個(gè)人金融需求相當(dāng)小。有許多原因：首先，它是財(cái)富分配不均，所以很少有人真正需要融資。其次，中國(guó)人總是缺乏投資和金融的感官。三是中國(guó)的傳統(tǒng)，他們不需要他們的財(cái)產(chǎn)其他融資和共同的看法是不

41、讓人知道他有多少錢。創(chuàng)新缺乏相當(dāng)一段時(shí)間，商業(yè)銀行金融創(chuàng)新意識(shí)和能力不強(qiáng)，水平低，范圍較窄，產(chǎn)品的科技含量低。使用效果差，特別是業(yè)務(wù)創(chuàng)新嚴(yán)重落后，這是導(dǎo)致個(gè)人理財(cái)產(chǎn)品同質(zhì)性大。</p><p>　　5個(gè)人理財(cái)業(yè)務(wù)的中國(guó)銀行煙臺(tái)分行（BCYB）</p><p>　　來(lái)付諸實(shí)踐連接理論與發(fā)展現(xiàn)狀的個(gè)人金融服務(wù)。服務(wù)為中國(guó)銀行煙臺(tái)分行進(jìn)行了研究。而且調(diào)查顯示，有一些優(yōu)勢(shì)，可以學(xué)到在傳播的服務(wù)BC

42、YB。BCYB價(jià)值的重點(diǎn)是客戶需求和保護(hù)消費(fèi)者利益。而財(cái)務(wù)管理體系不斷完善。直到現(xiàn)在。金融中心，管理中心和1680個(gè)辦事處已建成，包括各類名店是分布在不同的管理部門。金融危機(jī)警告全球2009。然而，BCYB利用這個(gè)機(jī)會(huì)和傳播的重要性，個(gè)人理財(cái)和風(fēng)險(xiǎn)逃避。這一行動(dòng)擴(kuò)大領(lǐng)域的客戶和潛在客戶的開(kāi)發(fā)。此外，中銀集團(tuán)是一個(gè)綜合平臺(tái)，包括金融，證券，保險(xiǎn)和BCYB的債券等。管理方法已由簡(jiǎn)化到的多樣性。融資顧問(wèn)集團(tuán)一直不斷更新自2005。這些經(jīng)驗(yàn)豐富

43、的心胸寬廣的專業(yè)客戶為客戶提供管理服務(wù)三個(gè)方面，包括市場(chǎng)營(yíng)銷，金融服務(wù)和產(chǎn)品創(chuàng)新。同時(shí)，以獨(dú)特的優(yōu)勢(shì)，中國(guó)銀行在國(guó)內(nèi)外匯，貨幣金融業(yè)務(wù)由BCYB繼續(xù)保持絕對(duì)領(lǐng)先地位，在整個(gè)城市的占領(lǐng)和規(guī)模.BCYB利用海外分行的中國(guó)銀行的海外網(wǎng)提供增值服務(wù)，例如，商務(wù)旅行，孩子留學(xué)客戶端.BCYB存在事實(shí)上和創(chuàng)新是不夠的，我的技術(shù)條件限制。此外，大多數(shù)商業(yè)銀行在個(gè)人理財(cái)。然而，作為首批50個(gè)國(guó)家金融管理中心.BCYB個(gè)人金融服務(wù)確實(shí)有一些亮點(diǎn)是<