我國銀行業(yè)個(gè)人理財(cái)業(yè)務(wù)前景分析畢業(yè)論文外文翻譯

1、<p><b>　　中文3505字</b></p><p><b>　　一、英文原文</b></p><p>　　China's banking industry analysis of the prospects of Personal Financial Services</p><p>　　In r

2、ecent years, China's personal finance business has grown by leaps and bounds, but the commercial banks to provide customers with investment banking services there are still many problems. China's commercial banks

3、 for business, personal financial problems, combined with the practice of personal financial services at home and abroad, this paper presents the corresponding countermeasures, as well as the prospects for analysis.</

4、p><p>　　First, China's banking industry of Personal Financial Services of the main problems in</p><p>　　1, the lack of a financial professional knowledge and skills of all financial personnel.

5、Banks, Personal Financial Services, as with other business related to the quality of staff, due to personal financial management business has involved a wide range of policy-related, the situation is complex, and high se

6、rvice requirements, banks need to set up a political quality, dedication and strong Account Manager expert team to provide customers with all-round, multi-function financial services. However</p><p>　　2, mar

7、keting the concept of lag, lack of initiative to create awareness of the market. For such goods in terms of personal financial management, marketing is crucial. At present, the Bank is lagging behind the concept of marke

8、ting, highlighted as follows: to develop awareness of the market is not strong, is still waiting for passengers to sit in the offices used to come; marketing behind, to stay competitive in the general means; of marketing

9、 market segmentation does not have with the formation </p><p>　　Second, to solve the problem of Personal Financial Services Countermeasures China's commercial banks for business, personal financial prob

10、lems, at home and abroad and the practice of personal financial services, our customers should be to cultivate resources, a clear market position, focus on financial products, complex areas such as professional training

11、to further the development of personal financial services market. 1, Developing a good training program to enhance the professional leve</p><p>　　3, to take measures to address the financial aspects of

12、the daily operation of business problems. Personal Financial Services is a client for the realization of investment in value-added, in accordance with the "self-financing, at their own risk" principle, with the

13、 banking commission signed an agreement to entrust their money to the bank to invest in financial management behavior. Therefore, the commercial banks Deputy customers with self-management of funds of funds are by nature

14、 very differen</p><p>　　Third, China's banking industry of Personal Financial Services Outlook As China's economic development and the progressive liberalization of financial markets, Personal Finan

15、cial Services of China's banking industry has been showing a big trend. 1, network services from a single three-dimensional changes in network services. Services of domestic banks is basically the original netwo

16、rk as a unit, a single service channel. Personal financial management is an important development trend of th</p><p>　　3, from free services to fee-based services change. Commercial banks to provide services

17、 would be to spend some resources to produce a certain cost. Bank as a business, according to the cost of the services and market competition in a reasonable charge, is beyond reproach. At the same time, banks will also

18、be fee-based services and further demonstrates the value of banking services to better safeguard the interests of customers. From the customer perspective, as a result of paying a fee, there i</p><p><b&g

19、t;　　二、英文翻譯</b></p><p>　　我國銀行業(yè)個(gè)人理財(cái)業(yè)務(wù)前景分析</p><p>　　近幾年來，我國個(gè)人理財(cái)業(yè)務(wù)已經(jīng)有了長足的發(fā)展，但目前商業(yè)銀行給客戶提供的投資理財(cái)服務(wù)仍存在不少問題。針對我國商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)中存在的問題，結(jié)合國內(nèi)外個(gè)人理財(cái)服務(wù)實(shí)踐，本文提出了相應(yīng)的對策，以及前景分析?！　∫?、我國銀行業(yè)個(gè)人理財(cái)業(yè)務(wù)中存在的主要問題　　1、缺乏具備理財(cái)專

20、業(yè)知識和技能的全能性金融人才。銀行個(gè)人理財(cái)業(yè)務(wù)同其他業(yè)務(wù)一樣都涉及到員工的素質(zhì)問題，由于個(gè)人理財(cái)業(yè)務(wù)具有涉及面廣、政策性強(qiáng)、情況復(fù)雜、服務(wù)要求高等特點(diǎn)，銀行需要組建一支政治素質(zhì)好、事業(yè)心強(qiáng)的專家型客戶經(jīng)理隊(duì)伍，為客戶提供全方位、多功能的理財(cái)服務(wù)。然而，長期的分業(yè)經(jīng)營使銀行普遍缺乏優(yōu)秀理財(cái)人員。高素質(zhì)的理財(cái)顧問并不是簡簡單單就可以造就的，必須在具備自身良好素質(zhì)的基礎(chǔ)上經(jīng)過專業(yè)性、系統(tǒng)性的培訓(xùn)才能完成，這是一個(gè)長期而且需要不斷積累的過程。因

21、此，缺乏合格的理財(cái)顧問已成為我國個(gè)人理財(cái)業(yè)務(wù)發(fā)展的一道瓶頸。　　2、市場營銷觀念滯后，缺乏主動(dòng)出擊創(chuàng)造市場的意識。對于個(gè)人理財(cái)這種商品來講，營銷是十分關(guān)鍵的。目前，銀行的市場營銷觀念相對滯后，突出表現(xiàn)為：市場開拓意識不強(qiáng)，仍習(xí)慣于坐在辦公室等客上門；營銷手段落后，停留在一般競爭手</p><p>　　二、解決我國個(gè)人理財(cái)業(yè)務(wù)問題的對策　　針對我國商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)中存在的問題，結(jié)合國內(nèi)外個(gè)人理財(cái)服務(wù)的實(shí)踐，

22、我國應(yīng)從培育客戶資源、明確市場定位、注重理財(cái)品種、復(fù)合型專業(yè)人才培養(yǎng)等方面進(jìn)一步發(fā)展個(gè)人理財(cái)服務(wù)市場。　　1、制訂良好的培訓(xùn)方案，提高客戶經(jīng)理的專業(yè)化水平。金融全球化和混業(yè)經(jīng)營全球化，對理財(cái)行業(yè)的工作人員提出了更高的要求，除了要具備扎實(shí)的專業(yè)知識外，還應(yīng)具備良好的語言、溝通以及承受壓力的能力，因此組建一支專業(yè)的、全能的個(gè)人理財(cái)專家隊(duì)伍勢在必行。這不僅是培養(yǎng)人才的需要，同時(shí)也是我國順應(yīng)金融全球化的需要。銀行管理層在加強(qiáng)對個(gè)人理財(cái)業(yè)務(wù)發(fā)展

23、形勢的學(xué)習(xí)、研究以及積極創(chuàng)造條件設(shè)置客戶經(jīng)理的同時(shí)，要加強(qiáng)對他們的培訓(xùn)和管理。另外，國內(nèi)銀行應(yīng)與境外機(jī)構(gòu)積極合作，引進(jìn)國際經(jīng)驗(yàn)，建立和完善客戶經(jīng)理人員的行業(yè)標(biāo)準(zhǔn)和職業(yè)道德規(guī)范，創(chuàng)建一套符合我國國情的金融從業(yè)人員資格認(rèn)證體系（可以借鑒美國的金融策劃師CFP認(rèn)證制度），以規(guī)范中國商業(yè)銀行理財(cái)行業(yè)的發(fā)展，全面提升客戶經(jīng)理的素質(zhì)?！　?、調(diào)整營銷策略，營造品牌效應(yīng)。近年來，在金融產(chǎn)品同質(zhì)化越來越嚴(yán)重的情況下，品牌營銷已成為各家銀行掌握競爭主動(dòng)