我国商业银行个人理财业务浅析

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1、内容摘要本文首先通过对近几年的相关文献进行归纳分析，总结出我国商业银行个人理财业务的基本发展情况和发展趋势；结合国外商业银行开展个人理财业务的具体情况，分析我国商业银行存在问题。经过分析发现，认为我国商业银行在外部环境和自身经营管理如营销技术、产品创新以及人员素质等方面存在劣势。针对以上问题，本文提出了相应的对策：我国商业银行对个人理财业务应加以重视，通过转变传统服务意识，加大金融产品创新力度等措施来大力发展个人理财业务。我国商业银行必须坚持以客户为中心、以市场为导向，建立起良好的组织管理体制、创新机制、营销体制

2、和激励约束机制，从而推动个人理财此务不断发展。关键词：商业银行；个人理财业务;AbstractPersonalfinancialbusinessofcommercialbankisaconcentratedembodimentofcommercialbankcustomercenteredstrategy,commercialbankshavebecomethemainwaytoprovidedifferentiatedzerodistanceservices，animportantmeansofpowerful

3、toolstobuildbrandsandcreatethecorecompetitiveness,isthefoundationandpowerandanimportantcomponentofthesustainabledevelopmentofcommercialbankprofitsource.InviewofthestatusofpersonalfinancialservicesofcommercialbanksinChina,firstthroughtheanalysisoftherelatedlit

4、eratureinrecentyears,summarizesthebasicdevelopmentsituationanddevelopmenttrendofpersonalfinancialbusinessofCommercialBankofourcountry;andthenconcretelyintroducesthesituationofforeigncommercialbankstodeveloppersonalfinancialbusiness,thestatusofourcountry,compa

5、rison,analysistheproblemsofcommercialbanks.Inthispaper，throughtheanalysisfoundthat，theCommercialBankofourcountryhasthedisadvantagesintheexternalenvironmentanditsownmanagementsuchasmarketing，technology,productinnovationandqualityofpersonnel,carryoutthepersonal

6、financialbusinessofcommercialbanksinchina.Inviewoftheabovesituation，theauthorputforwardthecorrespondingcountermeasuresandsuggestions.ThispaperconcludesthattheCommercialBankofourcountryshouldpayattentiontothepersonalfinancialmanagementbusiness,bychangingthetra

7、ditionalserviceconsciousness,increasefinancialproductinnovationandothermeasurestovigorouslydevelopthepersonalfinancialbusiness.Facingthenewmacroeconomicsituationandtheincreasinglyfiercemarketcompetition，biggerandstronger,fromthepersonalfinancialbusinessisthes

8、trategicproblemofoverallplanning,China’scommercialbankstosolve.China'scommercialbanksmustadheretothecustomerasthecenter，takethemarketastheguidance,toestablishagoodmanagementsystem,innovat