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)

1、The Development Status and Strategy Research of Commercial Banks Personal Financial Management Business in ChinaAbstract: The personal financial management business in our country is in the initial stage, compared to the developed one in western, there s still a long way to go, Therefore , the comme

2、rcial 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 o rder to promote the dev

3、elopment of personal financial business in our management country.Keywords :Commercial banks, Personal financial management, Strategy 1 IntroductionThe commercial banks are facing the new situation:the increasing danger in traditional business. the margin of the interest rates turning increasingly n

4、arrowed and foreign banks competition . These 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

5、 also a major way of improving Intermediary business income . That 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 exce

6、llence 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 country . Meanwhile . the co

7、mmercial banks are facing the new situation :the increasing danger in traditional business . the margin of the interest rates turning increasingly narrowed and foreign banks competition . These banks should think deeply to fend why that bus; mess develop so slowly and then put forward a feasible pla

8、n . Among all the businesses in commercial banks . personal financial management business has the advantages of huge market capacity, low risk, widerange of business , and stable income . For those advantages the personal financial m anagement business becomes commercial banksmain business and vital

9、 profits source . In western developed country, this kind of business almost gets into every family . Its business income has been account for banks 30%. Compared to the developed one in western. theres still a long way to go but it has a bright market expectation . However , our countrys personal f

10、inancial management business is limited by some factors , for instance , the financial legal system , financial supervision system and the development of financial market. As a result. it brings some problems that need to be done while developing rapidly.2 The Development Situation , Trait and Exist

11、ing 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 ChinaManage money matters operation refers to commercial bank uses professional advantages like various kinds of financial knowledg

12、e , professional technique and wide fund credibility and according t o 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 dev

13、eloping economy of china and the accumulating property of citizens, the need of manage money matters operation becomes stronger and stronger. There are several reasons:first of all, when people s properties accumulate to some degree, they concern more about how to effectively keep and increase the v

14、alue of their properties . Second , 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 mechanism. On the other hand, we have already been in aging stage, thus it has b

15、ecome many peoples real need to accumulate part of their pension through manage money matters . Under the circumstances . individual money matters operation of commercial bank develops quickly . But according to individual money matters operation situation of every commercial bank . there are still

16、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 ChinaAs the individual money matters operation of commercial bank has just started, financial mechanism and laws and regulations systems are special

17、, 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 CB

18、RC(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 general. Since 2009, fiduciary loan product increased largely and become the leader in all kinds of banking manage money

19、 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 2008, some banks give quickly reflect to the calamity and push out public bene

20、ficial and creative manage money matters product. This 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

21、Problems in Personal Financial Business in Our National Commercial BanksThe 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

22、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 risk. But this kind of operation mode increases the cost of processing pers

23、onal financial business in commercial banks. and it is hard to make good results. The 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 t

24、heresearch 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 country is still undeveloped and the mentality relatively falls behind with developing countries

25、, so most of excellent managers choose to enter foreign banks, and it will be reasonable that the managers couldn t reach the requirements in national commercial banks. The reason why we are lack of the consciousness of financial management .As we are developing our economy in recent years, it resul

26、ts 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 it . Secondly, the influence of traditional concept and shortage of understanding the personal financial business

27、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 b

28、ankss cultivation stagnates, in some high profited 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 ChinaA good financial plan

29、ner 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 organizing. But the shortage of good financial planners in China leads to the irregular selling of commercial banks

30、individual managing financial services. Restricted by financial demand and custom Nowadays in China ,individual financial demand is quite small . There are many reasons . Firstly, it is uneven distribution of wealth, so there few people really need financing . Secondly Chinese are always lack of inv

31、estment and financial senses . Thirdly its China s tradition that they don t need to hand their property to others for financing and the common opinion is not let people know how much money he has. At last, Chinese don t know the meaning and process of the services, anddon t identify the individual

32、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

33、 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 PracticeTo connect the theory with the present situation in development of the services . The persona

34、l financial services for Bank of China Yantai Branch has been studied . And the survey showed some advantages that can be learned in the spread of the services for BCYB. BCYBS value is focused on customers requirement and the protection for costumer benefit . And the financial management system has

35、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 departments . The financial crisis warned the whole world in 2009. However, BCYB took advantages of this opportunity and disse

36、minated the importance of the personal financial management and the risk escaping . This action broadened the field of costumers and developed the potential costumers . Furthermore , BOC Group is making a comprehensive platform which includes financing , securities . Insurance bonds etc . And BC YBS

37、 Management method has turned from simplification into diversity . The financing consultant group has been updated continuously since 2005. These experienced broad minded professional clients provide management services for clients from three aspects, including marketing, financial services and prod

38、uct innovation . Meanwhile , 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 scale . BCYB makes use of overseas branches net of China Bank to prov

39、ide overseas value-added services , for instance , business travel , children Studying abroad for clients . BCYB has the disadvantages indeed and the innovation is inadequate and me technical conditions are restricted. In addition, most business banks have suffered inpersonal financial management .

40、However, as one of the first 50 national financial management centers . BCYB individual financial service indeed has some bright points to be learned.6 ConclusionIt is national special financial legal system to decide the personal financial business particularity in commercial banks . With the rapid

41、 development of our economy and regulations. the personal financial management business increasingly reveals its value. and customer 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 engin

42、e in economy and make contributions to the construction of socialist modernization country.我国商业银行个人理财业务的战略研究与发展现状文摘 :个人理财业务在我国正处于初期阶段, 相对于西方发达国家 , 依然有很 长的路要走。 因此, 我国商业银行需要努力开发和研究理财市场, 建立卓越的品 牌形象和特殊服务;增加创新;改变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,以促进发展个人金融业务在我们国家的发展。关键词 :商业银行、个人理财、战略1介绍商业银行面临的新形势:随着外资银行的侵入

43、, 理财市场竞争激烈, 不断增 加的危险使传统行业利润率增长幅度将越来越狭窄, 商业银行应深入思考, 找到 自己发展非常缓慢的原因 , 然后制定一个可行的理财计划。个人理财业务不仅是 商业银行推进综合管理战略的一个重要载体, 也是一个提高中间业务收入的主要 方式。 个人理财在我国处于初始阶段, 较西方发达国家相比, 仍然存在着很大的 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; 增加创新; 改变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, 以促进个人理财业务在我国商业银行的发展。 面对新的形势:不断增长的危险; 在传统业务中

44、, 保证金的利息率日益缩小; 外资银行的竞争日 益增加。 商业银行应该思考如何在激烈的竞争中生存; 找出发展的障碍, 然后提 出了一些切实可行的理财策略。 在所有的商业银行中, 个人理财业务具有巨大的 市场容量、低风险、业务范围广泛、稳定的收入的特点。这些优势使的个人理财 业务成为商业银行的主要业务和重要利润的来源。 在西方发达国家, 这类业务几 乎进入每个家庭, 其理财业务收入已占银行总收入的 30%。 较西方发达国家想照, 我国商业银行理财业务有一个光明的市场前景。 但是, 我国的个人理财业务受到 下列一些因素的限制,例如金融法律制度,金融监管制度,金融市场的发展等。 最终,在发展快速的同

45、时也需要解决一些问题 。2中国工商银行理财发展现状、特点和存在的问题2.1中国工商银行个人理财发展情况中国工商银行理财运作过程中利用自身的专业优势, 如各类金融知识, 专业 技术和资金信誉,根据客户的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, 随着经济的快速发展, 越来越多的中国公民理财意识增强, 理财需求变得越来越强烈。 有以下几个原因:首先, 当人们的财产积累到一定程度, 他们更关注如何有效地保持和增加价值的 性能。其次,为推进住房,教育和医疗营销变革,家庭需要金融机构的服务创造 完善的风险保障机制。 另一方面, 我们已进入老龄化阶

46、段, 因此理财已成为很多 人的实际需要, 积累的养老金就是理财的一种情况。 个人理财商业银行业务快速 发展, 但根据个人理财的运作情况, 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的经营广告由于个人理财商业银行业务刚刚起步, 金融机构的法律和规章, 系统是特别 的, 所以相比于西方发达国家, 我们有自己的特质, 信托计划产品成为一位领导 者的理财投资市场。最近,人们更加注重风险状况时,他们选择管理理财产品。 同时, 由于银监会 (中国银行业监督管理委员会 增加了其强度理财商业银行经 营的品种结构,理财产品改变了许多。自从 2009,信用贷款产品大幅增加,成 为领先的各类银行理财产品, 以其清晰的投资, 简单的结构, 各种期限获取稳定 的收入。 2008年,公益和创造产品价值的理财产品在汶川地震期间,一些银行 反映迅速, 由于灾难和推出公益性和创造性的理财产品, 这类理财产品是仁慈和 关心,这大大拓宽发展思路银行理财操作,有效提升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的问题在我国商业银行个人金融业务中之所以存在这么多的问题, 不仅是因为一个 单一的元素,而是由于多方面的原因。我们必须看清