The Development Status and Strategy Research of Commercial BanksPersonal Financial Management Business in China
Abstract: The personal financial management 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 excellence brand image and special services;Increase of innovation; change the products from single to comprehensive;Establish and perfect financial management business management system in order to promote the development of personal financial business in our management country.
Keywords:Commercial banks,Personal financial management,Strategy
1 Introduction
The commercial 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 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 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 too. Therefore.the commercial 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 business management system in order to promote the development of personal financial management business in our country.Meanwhile, the commercial banks are facing the new situation: the increasing danger in traditional business. the margin of the interest rates turning increasingly narrowed and foreign bankrsquo;s competition.These banks should think deeply to fend why that bus;mess develop so slowly and then put forward a feasible plan,Among all the businesses in commercial banks.personal financial management business has the advantages of huge market capacity.low risk,wide range of business,and stable income.For those advantages the personal financial management business becomes commercial banksmain business and vital 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 financial 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 Existing 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 China.Manage money matters operation refers to commercial bank uses professional advantages like various of financial knowledge technique wide and fund credibility and according to financial position and investment requirement,provide clients with professional service activities,such as financial analysis,financial planning,investment and assets management,Recently,as the fast developing 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 peoples properties accumulate to some degree,they concern more about how to effectively keep and increase the value 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 become many peoples real need to accumulate part of their pension through manage money matters . Under the circumstances. individual money matters operation of commercial bank develop quickly.But according to individual money matters operation situation of every commercial bank.there are still 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 China
As the individual money matters operation of commercial bank has just started,
financial mechanism and laws and regulations systems are special,so compared to
western developed countries,we have our own traits.Fiduciary loan product becomes
the leader 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 CBRC(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 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 beneficial 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 th
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我国商业银行个人理财业务的战略研究与发展现状
摘要：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
一、介绍
商业银行面临的新形势：随着外资银行的侵入，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，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，在发展快速的同时也需要解决一些问题 。
二、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。
三、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。我们必须看清运作实践，政策法规，监管理念和措施在中国还没有跟上时代的发展；我们仍然依靠分业经营、分业管理关注的金融风险。但这种运作模式，提高了商业银行个人金融业务的加工成本，很难作出很好的成绩。这就是为什么所有的产品都有相同的品质的原因。由于理财观念有限，我国商业银行个人金融业务还存在一些不足。因此，几乎所有的金融产品都是一样的。我们之所以缺乏高素质的金融管理能力培训财务经理，在我国尚不发达和心态相对落后的发展中国家，所以最优秀的管理者选择进入外资银行，管理者不能达到要求在全国性商业银行。我们之所以缺乏财务管理意识，是因为我们是发展中国家，经济发展落后，结果导致缺乏财务文化与财务意识。首先，用于理财的只是有一些零碎的小钱；后来人们很难适应这种生活方式，致使理财的出现。其次，传统的概念和认识不足的影响阻碍个人金融业务在银行的发
展，导致的金融意识和缺乏理财认同感和安全。
我国商业银行理财发展之所以是有限的，因为思维，技术和客观环境和一些其他客观因素的影响，我国商业银行培育停滞，在一些高利润区，我们不能保持发展速度。如果我们不解决问题，缺乏修养，它是我们很难完全与外资银行竞争的。
四、中国工商银行个人理财服务问题
一个好的财务规划应该是知道一切产品和有一个良好的安全知识，银行，保险，法律，财务等。他必须有经验和良好的沟通和组织能力，但缺乏良好的理财规划师在中国导致的不规则的销售使的商业银行个人理财服务的限制金融需求与定制。如今在中国，个人金融需求相当小。有许多原因：首先，它是财富分配不均，所以很少有人真正需要融资。其次，中国人总是缺乏投资和金融的感官。三是中国的传统，他们不需要他们的财产其他融资和共同的看法是不让人知道他有多少钱。创新缺乏相当一段时间，商业银行金融创新意识和能力不强，水平低，范围较窄，产品的科技含量低。使用效果差，特别是业务创新严重落后，这是导致个人理财产品同质性大。
五、个人理财业务的中国银行烟台分行（BCYB）
来付诸实践连接理论与发展现状的个人金融服务。服务为中国银行烟台分行进行了研究。而且调查显示，有一些优势，可以学到在传播的服务BCYB。BCYB价值的重点是客户需求和保护消费者利益。而财务管理体系不断完善。直到现在。金融中心，管理中心和1680个办事处已建成，包括各类名店是分布在不同的管理部门。金融危机警告全球2009。然而，BCYB利用这个机会和传播的重要性，个人理财和风险逃避。这一行动扩大领域的客户和潜在客户的开发。此外，中银集团是一个综合平台，包括金融，证券，保险和BCYB的债券等。管理方法已由简化到的多样性。融资顾问集团一直不断更新自2005。这些经验丰富的心胸宽广的专业客户为客户提供管理服务三个方面，包括市场营销，金融服务和产品创新。同时，以独特的优势，中国银行在国内外汇，货币金融业务由BCYB继续保持绝对领先地位，在整个城市的占领和规模.BCYB利用海外分行的中国银行的海外网提供增值服务，例如，商务旅行，孩子留学客户端.BCYB存在事实上和创新是不够的，我的技术条件限制。此外，大多数商业银行在个人理财。然而，作为首批50个国家金融管理中心.BCYB个人金融服务确实有一些亮点是学会。
六、结论
国家特种金融法律制度决定了个人金融业务在商业银行的特殊性。随着我国经济的快速发展和规范，个人理财业务越来越显示其价值，与客户的需求也不断增长。我国商业银行应完善自己在技术方面的工作人员，观念和策略。为使本身的引擎在经济作贡献，建设社会主义现代化国家。
The Development Status and Strategy Research of Commercial Banks Personal Financial Management Business in China
Abstract: The personal financial management business in our country is in the initial stage, compared to the developed one in western, therersquo;s still a long way to go. Therefore, the commercial banks in China need to review and study to estimate market direction: build excellent brand images and special services; increase of innovation; change the products from single to comprehensive; establish and perfect financial management business management system in order to promote the development of personal financial business in our management country.
Keywords: Commercial banks; Personal financial management; Strategy
1.Introduction
The commercial banks air facing the new situation: increasing danger in traditional business; the margin of the interest ratersquo;s turning increasingly narrowed and foreign banksrsquo; competition. These banks should think deeply to find why that business develop 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 also a major way of improving intermediary business income. That business in our country is in the initial stage. Compared to developed one in western, therersquo;s still a long way too.
Therefore, the commercial banks in China need to review and study to estimate market direction; change the products from single to comprehensive; establish and perfect financial management business management system in order to promote the development of personal financial business in our management country. Meanwhile, the commercial banks air facing the new situation: the increasing danger in traditional business: the margin of the interest ratersquo;s turning increasingly narrowed and foreign bankrsquo;s competition. These banks should think deeply to find why that business develop so slowly and then put forward a feasible plan. Among all the business in commercial banks, personal financial management business has the advantages of huge market capacity, low risk, wide range of business, and stable income. For those advantages, the personal financial management business becomes commercial banksrsquo; main business and vital profits source. In western developed country, this kind of business almost gets into every family. Itrsquo;s business income has been account for bankrsquo;s 30%. Compared to the developed one in western, therersquo;s still a long way to go, but it has a bright market expectation. However, our countryrsquo;s personal financial management busine
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