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中国银行个人理财业务发展研究 Development Research in China's Banking Personal Financial Services

论文作者:英语论文网论文属性:课程作业 Coursework登出时间:2014-03-09编辑:zbzb点击率:13318

论文字数:6899论文编号:org201403080741183396语种:英语 English地区:中国价格:免费论文

关键词:Personal Financial Servicesbanksinterest ratefinancial marketfinancial products

摘要:本文首先作了个人理财的综述,阐述了其理论基础,对之进行了定义。然后介绍了我国商业银行开展个人理财业务的具体情况,并分析了其发展趋势。针对我国的现状,分析我国商业银行存在问题,找出导致这些问题的原因,提出我国商业银行发展个人理财业务的对策。

本文摘自https://www.51lunwen.org/Economics/, 如需转载,需要注明。
 
1. Introduction
1.1 The Analysis of the Background of Personal Financial Services
With the end of China's transition period of accession to the WTO, foreign Banks fights to get into our market, banks both in China and abroad are contesting to control the market of Personal Financial Services business. Our banks will face serious market test, Personal Financial Services, has become the new profit growth point that domestic and international financial industry pursue by. Especially in recent years, the capital market develop rapidly, financing channels for enterprise increase ceaselessly, after interest rates become market-oriented gradually, commercial bank deposit and loan interest rate will drop substantially, increase in source of Personal Financial Services business profits have become the focus of the development of banking business[1].

1 引言
1.1个人理财业务的背景分析
随着中国加入WTO过渡期的结束,外资银行进入我国市场的竞争,在中国和国外的银行争夺控制的个人金融业务市场。我国银行业将面临严峻的市场考验,个人金融服务已成为国内和国际金融业追求的新的利润增长点。特别是近年来,迅速发展资本市场,为企业不断增加融资渠道,利率市场化后,商业银行存贷款利率将渐渐的大幅下降,在个人金融服务业务的利润来源的增加已成为银行业务的发展重点[1]。


In the point of international view, since 1980s, on the one hand, personal wealth and financial market development the growth rapidly, so people have created enormous financial needs; on the other hand, with the homogeneity of banks’ financial products, the strategy to push out advantage service has become more important, banks are required to provide customers with more comprehensive services, simpler and more specific investment tools and combination.
在国际观点,20世纪80年代以来,一方面,个人财富和金融市场发展的快速增长,因此人们创造了巨大的金融需求;另一方面,随着银行金融产品同质化,推动优势服务战略已变得更重要,银行必须为客户提供更全面的服务,更简单和更具体的投资工具组合。


In this context, personal financial services came into being as a new banking. The new business first appeared in the United States, and then developed rapidly in Europe and Japan, Hong Kong and other developed countries and regions, and now has become an important business of the world's major banks. In the past few years, the average annual profit margin of the U.S. banking Personal Financial Services has been up to 35%, the average annual profit growth rate has been about 12-15%. From the perspective of Personal Finance Service development trends in developed country, Personal Financial Services has advantages such as high-volume, low-risk, wild business scope and stable income, it takes an important part in commercial banking development. In western countries, Personal Financial Services has almost got into every family, the business income has accounted for 30% of the bank total income; in Hong Kong, the personal financial management services becomes the focus of banking competition in recent years, not only small and medium banks expand the customer group actively, HSBC, Standard Chartered, Hang Seng, Bank of East Asia and other big banks have also join the game, they promote the Personal Financial Service to higher level, by provide different financial services for different customers. In short, in today's commercial banking business, Personal Financial Services is playing a more and more important role, it has become one of the key factors of competitions between commercial banks, and it is internationally respected by commercial banks as an important part of high-profit business of a commercial bank.

In our country, as China's economy develops continuously, Retail Banking is runn论文英语论文网提供整理,提供论文代写英语论文代写代写论文代写英语论文代写留学生论文代写英文论文留学生论文代写相关核心关键词搜索。

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