外文翻译--我国商业银行个人理财业务的战略研究与发展现状

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1、外文翻译--我国商业银行个人理财业务的战略研究与发展现状TheDevelopmentStatusandStrategyResearchofCommercialBanks’PersonalFinancialManagementBusinessinChinaAbstract:Thepersonalfinancialmanagementbusinessinourcountryisintheinitialstage，comparedtothedevelopedoneinwestern，there’sstil

2、lalongwaytogo，Therefore，thecommercialbanksinchinaneedtoreviewandstudytoestimatemarketdirection；buildexcellencebrandimageandspecialservices；Increaseofinnovation；changetheproductsfromsingletocomprehensive；Establishandperfectfinancialmanagementbusiness’ma

3、nagementsysteminordertopromotethedevelopmentofpersonalfinancialbusinessinourmanagementcountry．Keywords：Commercialbanks，Personalfinancialmanagement，Strategy1IntroductionThecommercialbanksarefacingthenewsituation：theincreasingdangerintraditionalbusiness．

4、themarginoftheinterestrate’sturningincreasinglynarrowedandforeignbank’scompetition．Thesebanksshouldthinkdeeplytofindwhythatbusinessdevelopsoslowlyandthenputforwardafeasibleplan．Thepersonalfinancialmanagementbusinessisnotonlyanimportantcarrierforcommerc

5、ialbankstoadvanceComprehensivemanagementstrategybutalsoamajorwayofimprovingIntermediarybusinessincome．Thatbusinessinourcountryisintheinitialstage．comparedtothedevelopedoneinwestern，there’sstillalongwaytogo．Therefore．thecommercialbanksinchinaneedtorevie

6、wandstudytoestimatemarketdirection；buildexcellencebrandimageandspecialservices；Increaseofinnovation；changetheproductsfromsingletocomprehensive；Establishandperfectfinancialmanagementbusiness’managementsysteminordertopromotethedevelopmentofpersonalfinanc

7、ialmanagementbusinessinourcountry．Meanwhile．thecommercialbanksarefacingthenewsituation：theincreasingdangerintraditionalbusiness．themarginoftheinterestrate’sturningincreasinglynarrowedandforeignbank’scompetition．Thesebanksshouldthinkdeeplytofendwhythatb

8、us；messdevelopsoslowlyandthenputforwardafeasibleplan．Amongallthebusinessesincommercialbanks．personalfinancialmanagementbusinesshastheadvantagesofhugemarketcapacity，lowrisk，widerangeofbusiness，andstableincome．Forthoseadvantagesthepersona