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)文档格式.doc

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)文档格式.doc

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Thepersonalfinancialmanagementbusinessinourcountryisintheinitialstage，comparedtothedevelopedoneinwestern，there’sstillalongwaytogo，Therefore，thecommercialbanksinchinaneedtoreviewandstudytoestimatemarketdirection；

buildexcellencebrandimageandspecialservices；

Increaseofinnovation；

changetheproductsfromsingletocomprehensive；

Establishandperfectfinancialmanagementbusiness’managementsysteminordertopromotethedevelopmentofpersonalfinancialbusinessinourmanagementcountry．

Keywords：

Commercialbanks，Personalfinancialmanagement，Strategy

1Introduction

Thecommercialbanksarefacingthenewsituation：

theincreasingdangerintraditionalbusiness．themarginoftheinterestrate’sturningincreasinglynarrowedandforeignbank’scompetition．Thesebanksshouldthinkdeeplytofindwhythatbusinessdevelopsoslowlyandthenputforwardafeasibleplan．ThepersonalfinancialmanagementbusinessisnotonlyanimportantcarrierforcommercialbankstoadvanceComprehensivemanagementstrategybutalsoamajorwayofimprovingIntermediarybusinessincome．Thatbusinessinourcountryisintheinitialstage．comparedtothedevelopedoneinwestern，there’sstillalongwaytogo．Therefore．thecommercialbanksinchinaneedtoreviewandstudytoestimatemarketdirection；

changetheproductsfromsingletocomprehensive；

Establishandperfectfinancialmanagementbusiness’managementsysteminordertopromotethedevelopmentofpersonalfinancialmanagementbusinessinourcountry．Meanwhile．thecommercialbanksarefacingthenewsituation：

theincreasingdangerintraditionalbusiness．themarginoftheinterestrate’sturningincreasinglynarrowedandforeignbank’scompetition．Thesebanksshouldthinkdeeplytofendwhythatbus；

messdevelopsoslowlyandthenputforwardafeasibleplan．Amongallthebusinessesincommercialbanks．personalfinancialmanagementbusinesshastheadvantagesofhugemarketcapacity，lowrisk，widerangeofbusiness，andstableincome．Forthoseadvantagesthepersonalfinancialmanagementbusinessbecomescommercialbanks’mainbusinessandvitalprofitssource．Inwesterndevelopedcountry，thiskindofbusinessalmostgetsintoeveryfamily．Itsbusinessincomehasbeenaccountforbank’s30％．Comparedtothedevelopedoneinwestern．there’sstillalongwaytogobutithasabrightmarketexpectation．However，ourcountry’spersonalfinancialmanagementbusinessislimitedbysomefactors，forinstance，thefinanciallegalsystem，financialsupervisionsystemandthedevelopmentoffinancialmarket．Asaresult．itbringssomeproblemsthatneedtobedonewhiledevelopingrapidly．

2TheDevelopmentSituation，TraitandExistingProblemofIndividualManageMattersOperationinCommercialBankofChina

2.1ThedevelopmentsituationofindividualmoneymattersoperationincommercialbankofChina

Managemoneymattersoperationreferstocommercialbankusesprofessionaladvantageslikevariouskindsoffinancialknowledge，professionaltechniqueandwidefundcredibilityandaccordingtoclients’financialpositionandinvestmentrequirement，provideclientswithprofessionalserviceactivities，suchasfinancialanalysis．financialplanning，investmentcounselorandassetsmanagement．Recently，asthefastdevelopingeconomyofchinaandtheaccumulatingpropertyofcitizens，theneedofmanagemoneymattersoperationbecomesstrongerandstronger．Thereareseveralreasons：

firstofall，whenpeople’spropertiesaccumulatetosomedegree，theyconcernmoreabouthowtoeffectivelykeepandincreasethevalueoftheirproperties．Second，asthepushingonhousing，educationandmedicaltreatmentmarketingrevolutionproceeding，familiesneedthehelpoffinancialmechanismservicetocreateacompleterisksafeguardmechanism．Ontheotherhand，wehavealreadybeeninagingstage，thusithasbecomemanypeople’srealneedtoaccumulatepartoftheirpensionthroughmanagemoneymatters．Underthecircumstances．individualmoneymattersoperationofcommercialbankdevelopsquickly．Butaccordingtoindividualmoneymattersoperationsituationofeverycommercialbank．therearestillmanyproblemsthatmakeithardtodevelopindividualmoneymattersoperation．

2.2ThetraitofindividualmoneymattersoperationincommercialbankofChina

Astheindividualmoneymattersoperationofcommercialbankhasjuststarted，financialmechanismandlawsandregulationssystemsarespecial，socomparedtowesterndevelopedcountries，wehaveourowntraits．Fiduciaryloanproductbecomesthe1eaderofmanagemoneymattersmarketRecently，investpeoplepaymoreattentiontotherisksituationofproductwhentheychoosemanagemoneymattersprodu