商业银行个人理财业务

中文字数:2066,中文页数:3 英文字数:2255页数:6

 近年来，商业银行间竞争的加剧和利率的逐步市场化，使商业银行传统的公司类批发业务获利空间逐步降低，信贷风险不断聚集。随着我国市场经济体制的建立和专业银行向商业银行的逐步过渡，各银行之间的原有专业分工已越来越模糊，业务交叉越来越深入，金融竞争越来越激烈，银行传统业务的发展空间越来越窄，存贷利差进一步缩小，传统业务的风险增大，收益减少。为改善对客户的服务，各家银行都在努力扩大服务范围，增加服务项目，开发新的业务品种。又加上我国加入 WTO 后，外资银行又将以其雄厚的资金实力、灵活的经营机制、丰富的管理经验，重点争夺优质客户。日益加剧的市场竞争迫使国内商业银行开拓新的业务领域，寻求新的利润增长空间。个人理财业务以其领域广、批量多、风险小、个性化、收入稳定、附加值高等特点，成为商业银行生存与发展的必然趋势。在这样的背景下，如何抓住优质客户，占领客户市场，获取更大利润，迎接入世挑战，如何发展我国的个人理财业务，深化理财内涵，为客户提供更具个性化的服务，形成企业独特的文化，提高商业银行核心竞争力，成为我国银行业必须尽快予以研究的问题。

In recent years, with commercial banks gradually intensifying competition  and  the market-oriented interest rates, commercial banks traditional wholesale  business  profit companies to gradually reduce and the credit risk continued to gather. With  the establishment of China's market economic system to commercial banks and specialized banks in the gradual transition, banks have become increasingly blurred  between the original specialization, the growing cross-depth business and financial competition is becoming fiercer and fiercer. The development of business space has  been dwindling traditional banks, savings and loan spreads narrowed further, increasing the risk of traditional business and reduced earnings. to improve customer service, banks are trying to expand the scope of services, increase services and the development of new businesses. Has been added after China's accession to the WTO, foreign banks will use their huge financial strength and flexibility in the operating mechanism, rich management experience, focusing on quality clients. Increasing  competition in the market forcing domestic commercial banks to open up new business areas to seek new profit growth space. Personal financial business with a  vast area, volume,low-risk, personalized, revenue stability, higher value-added  features, become an inevitable trend in the survival and development of commercial banks. In this backdrop, how to seize the quality customers, the market occupied

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