我國銀行業(yè)個人理財業(yè)務前景分析畢業(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)個人理財業(yè)務前景分析</p><p>　　近幾年來，我國個人理財業(yè)務已經(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服務仍存在不少問題。針對我國商業(yè)銀行個人理財業(yè)務中存在的問題，結(jié)合國內(nèi)外個人理財服務實踐，本文提出了相應的對策，以及前景分析?！　∫?、我國銀行業(yè)個人理財業(yè)務中存在的主要問題　　1、缺乏具備理財專

20、業(yè)知識和技能的全能性金融人才。銀行個人理財業(yè)務同其他業(yè)務一樣都涉及到員工的素質(zhì)問題，由于個人理財業(yè)務具有涉及面廣、政策性強、情況復雜、服務要求高等特點，銀行需要組建一支政治素質(zhì)好、事業(yè)心強的專家型客戶經(jīng)理隊伍，為客戶提供全方位、多功能的理財服務。然而，長期的分業(yè)經(jīng)營使銀行普遍缺乏優(yōu)秀理財人員。高素質(zhì)的理財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)的基礎上經(jīng)過專業(yè)性、系統(tǒng)性的培訓才能完成，這是一個長期而且需要不斷積累的過程。因

21、此，缺乏合格的理財顧問已成為我國個人理財業(yè)務發(fā)展的一道瓶頸?！　?、市場營銷觀念滯后，缺乏主動出擊創(chuàng)造市場的意識。對于個人理財這種商品來講，營銷是十分關鍵的。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，仍習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、解決我國個人理財業(yè)務問題的對策　　針對我國商業(yè)銀行個人理財業(yè)務中存在的問題，結(jié)合國內(nèi)外個人理財服務的實踐，

22、我國應從培育客戶資源、明確市場定位、注重理財品種、復合型專業(yè)人才培養(yǎng)等方面進一步發(fā)展個人理財服務市場?！　?、制訂良好的培訓方案，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，對理財行業(yè)的工作人員提出了更高的要求，除了要具備扎實的專業(yè)知識外，還應具備良好的語言、溝通以及承受壓力的能力，因此組建一支專業(yè)的、全能的個人理財專家隊伍勢在必行。這不僅是培養(yǎng)人才的需要，同時也是我國順應金融全球化的需要。銀行管理層在加強對個人理財業(yè)務發(fā)展

23、形勢的學習、研究以及積極創(chuàng)造條件設置客戶經(jīng)理的同時，要加強對他們的培訓和管理。另外，國內(nèi)銀行應與境外機構(gòu)積極合作，引進國際經(jīng)驗，建立和完善客戶經(jīng)理人員的行業(yè)標準和職業(yè)道德規(guī)范，創(chuàng)建一套符合我國國情的金融從業(yè)人員資格認證體系（可以借鑒美國的金融策劃師CFP認證制度），以規(guī)范中國商業(yè)銀行理財行業(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。近年來，在金融產(chǎn)品同質(zhì)化越來越嚴重的情況下，品牌營銷已成為各家銀行掌握競爭主動