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)
个人理财外文翻译文献翻译
原文：Personal Finance: Past, Present and FutureIntroductionIn recent years, the need for financial education has gained the attention of a wide range of entities including banking companies, government agencies, grass‐roots consumer and community interest groups, universities, schools, and other organizations. Numerous factors have led to a complex, specialized financial services marketplace that requires consumers to be actively engaged if they are to manage their finances effectively. The forces of technology and market innovation, driven by increased competition, have resulted in a sophisticated industry in which consumers are offered a broad spectrum of services by a wide array of providers. Other important demographic and market trends contributing to concerns include increased diversity of the population, resulting in households that may face language, cultural, or other barriers to establishing a banking relationship; expanded access to credit for younger populations; and increased employee responsibility for directing their own investments in employer‐sponsored retirement and pension plans.The prevailing concern is that consumers lack a working knowledge of financial concepts and do not have the tools they need to make decisions most advantageous to their economic wellbeing. Financial decisions made by consumers affect an individual’s or family’s current financial wellbeing and ability to save for long‐term goals such as buying a home, seeking higher education, or financing retirement. In addition, the consumer decisions also play an important role in the overall economic health of the nation, as was experienced through the recent economic crisis.Most recent economic issues such as credit card debt, home foreclosures, reduced savings, declining values of investments, the collapse of the subprime lending market, and escalating numbers of personal bankruptcy have focused the nation’s attention on the importance of financial education.Technological advances have transformed nearly every aspect of the marketing, delivery, and processing of financial products and service. The forces of technology and market innovation, driven by increased competition, have resulted in a sophisticated industry in which a wide array of providers offers consumers a broad spectrum of financial products and services. These developments have given consumers more options and greater flexibility in creating financial arrangements that best suit their needs. However, a complex and specialized financial services marketplace requires consumers to be informed and actively engaged if they are to manage their finances effectively.While there are many causes to the economic problems facing the country, it is undeniable that a lack of financial education is a contributing factor. Far too many Americans entered into home and other loan agreements that they did not understand and ultimately could not afford. More broadly, the lack of basic skills such as how to create and maintain a budget, understand credit, or save for the future are preventing millions of Americans from taking advantage of our vibrant economic system. Financial education is not an issue unique to any one population. It affects everyone—men and women, young and old, across all racial and socioeconomic lines (U.S. Department of the Treasury, Office of Financial Education, 2008).Under these circumstances, there is a renewed attention to personal finance education. This subject matter is currently gaining attention from various quarters of society, such as academia, government, corporations and nonprofit organizations. There is an increasing recognition of the importance of this area within several academic quarters, such as economics and finance, that were traditionally not involved in this subject matter. One of the challenges, with increased interest from diverse programs, is the loss of focus on the family and more of a concentration on individual decision making. Financial education programs are now being referred to by a variety of names, the most frequently used name be ing “financial literacy”; however, the term financial literacy means different things to different people. There is no national standard that describes the expectations of a course labeled “financial literacy” regarding the core content, core competencies, assessment of the impact, andprofessional preparation of the teacher.This paper briefly reviews the history of personal finance and then looks at the current status of the personal financial discipline and education before identifying challenges and opportunities for the future. In the final section, steps necessary to strengthen the future of this discipline are also presented.Personal Finance: An Interdisciplinary Approach Personal finance has its roots in economics, finance and management and incorporates general principles of decision making and the management of financial resources of the individual and family. It involves application of principles from a variety of disciplines such as economics, sociology, psychology, adult learning, and counseling to the study of ways that individuals, families, and households acquire, develop, and allocate monetary resources to meet their current and future financial needs. In the dynamic system of personal finance, decision makers are central. They influence and are influenced by various factors both in external and internal environments. This includes financial markets and institutions; government agencies; economic, demographic, and social trends; and personal and family factors. Personal finance encompasses tools such as financial statements, checking and savings accounts, debt instruments, mortgages and investment vehicles. It also includes techniques related to cash flow management; risk assessment and management; and planning of taxes, retirement, and estates (Schuchardt et al. 2007).Financial Education in the Current Economic Environment Currently a great deal of attention is being drawn to this area from public, private, profit and nonprofit entities. As concerns about consumers’ financial capability have increased, so too have the number and variety of financial education programs and program providers. However, some programs offer comprehensive information on a variety of topics for a broad audience, including savings, credit, risk management, investments, retirement planning and similar topics. Others are focused on a single topic such as credit management, retirement planning, and investing; and they are tailored to a specific group, such as youth, women, or minorities (Braunstein and Welch, 2002). Many are providing financial education to students, employees,customers, the general public and more; and most of these educational efforts are being presented under the name of “financial literacy.”However, multiple names are being used to identify teaching and research work that is being done in personal finance. Some of the names that have been used for a long time include Consumer Economics, Consumer Affairs, Family and Consumer Sciences, Family Economics, Family Economics and Resource Management, Family Finance, Family Financial Management, Household Economics, and Personal Finance. More recent names include Household Finance, Household Behavioral Finance and Financial Literacy.Since the 1990s, the use of the term financial literacy has gained momentum; however, popularization of the term has created confusion. A web search on financial literacy returns nearly two million results. There are financial literacy programs, tests, statistics, and training. Most are general, but some target audiences such as teens or pre‐retirees. Most of these programs have different goals and different outcome expectations. There is no common agreement on the core content, overall and specific objectives, the qualifications of the deliverers of these courses, and for the assessment of the outcomes (Hira and Schuchardt, 2008).Most disciplines such as math, economics, history, sociology, and psychology are usually identified by one name only. There are specialties or concentrations for each of these disciplines, but only one name. To reduce the confusion, there must be one name for financial education; and more importantly, there must be a common understanding of what can be expected from such courses. Before this can be accomplished, some basic questions must be answered: what is the overall objective, what is the core content, what competencies and skills must the learner gain, what preparation or qualifications must the teachers of financial education have, and what standards must be used to assess the outcomes of such programs?Overall Goal for Financial EducationThe overall goal for financial education is to ensure that everyone is equipped with appropriate information, knowledge, and skills to make good financial decisions. The challenge to educators is to determine what specific skills people need in order tounderstand the long‐term costs and benefits of their financial decisions (Hira, 1995). Financially educated consumers are an important first line of defense in well‐functioning markets. At the same time, it is important to recognize that financial education is not a panacea and that there remains a need for effective regulation that is responsive to market evolutions to ensure that consumers are protected against abusive and fraudulent practices by unscrupulous players.Future Opportunities and ChallengesIn the past, professionals in the family economics and management field of personal finance made use of the interdisciplinary approach to study financial behavior. Today, professionals from those disciplines (economics, sociology, psychology, and many others) are studying financial behavior, expanding opportunities and potential for a stronger and richer discipline. Opportunities for transdisciplinary work offer a great promise for the future. The discipline must meet the challenges of creating an environment where professionals from various disciplines create strong connections, collaborate, and generate truly interdisciplinary studies.A report prepared by the U.S. Government Accountability Office in 2004 clearly identifies the challenges and opportunities that lie ahead. It suggests that establishing standards for core content and outcome objectives is critical for the development of evaluation and assessment instruments so that there can be matched areas consistent with the goals and appropriate for the target audience. Furthermore, it is important to differentiate between measuring outcomes of a course and the outcome of an intervention such as advising and counseling, designed to bring about a predetermined behavior change. Asking different questions, using different measures, and comparing courses with different objectives and taught by instructors of various professional qualifications is likely to yield different results. This report also identified the need for setting standardized benchmarks and developing a federal evaluation infrastructure to help nonprofits and other organizations build evaluation capacity.Braunstein and Welch (2002) have a few unique ideas for delivering financial education. They suggest something similar to the use of a credit‐scoring model inloan underwriting, which has enabled lenders to quickly and effectively construct an individual risk profile. A similar approach might be taken in determining a consumer’s financial literacy profile, with a database on an individual’s or group’s financial status, behavior, and learning preferences used to identify an individual’s information and educational needs. Knowledge of those needs, coupled with an assessment of the individual’s motivation and confid ence, could assist in providing relevantThey also argue that development of consistent standards for measuring results could increase the success of financial literacy programs. Practitioners who can demonstrate the effectiveness of their programs can contribute significantly to the identification of “best practices” and the setting of policies that may lead to consumers who are better equipped to survive and, more important, thrive in our vibrant, diverse, complex financial marketplace.In conclusion, strengthening the profession requires defining or redefining the mission; agreeing upon one name for the field; determining the content of a basic personal finance curriculum that stretches from K‐12 to college; identifying core competencies; determining qualifications of those who teach or advise individuals of all ages; setting standards to evaluate quality of programs; setting standards to measure the effectiveness of financial education; conducting much‐needed research; and developing practical implications of research for the benefit of individuals, educators, and policy makers.The most important challenge facing the profession today is the use of multiple names and confusion about what could be expected from programs that are labeled as financial literacy. Clarifying the vision and mission, identifying the outcome goals to determine the core content of a financial education program and expectations from the educators—outcome goals, setting standards for qualification of the educator/advisor to prepare financial educators with knowledge and skills, and measuring effectiveness of educational efforts—are steps which will undoubtedly result in improved outcomes.There is a critical need for a national forum to bring about an agreement on theone name, core content and competencies, and professional qualifications for the personal financial field. This is necessary for future growth and development of the profession.Source: Tahira K. Hira,2009.“Personal Finance: Past, Present and Future” .Networks financial institute. December.pp.1-20.译文：个人理财：过去，现在和未来简介近年来，对理财教育的需求已经得到了广泛的实体公司的注意，包括银行，政府机构，基层消费者和社会的利益团体，大学，学校和其他组织。
银行个人理财战略中英文对照外文翻译文献
银行个人理财战略中英文对照外文翻译文献随着全球化的深入推进，个人理财的重要性日益凸显。
在众多金融机构中，银行以其专业的服务和丰富的产品线成为了人们进行个人理财的首选。
本文将对银行个人理财战略的中英文对照外文翻译文献进行探讨。
银行个人理财战略是指银行为个人客户提供的一种全方位的财富管理服务，包括投资、储蓄、保险、信托等。
通过制定和执行个人理财战略，客户可以有效地进行财富的积累、保值和增值。
投资策略：根据客户的财务状况和风险承受能力，制定合适的投资策略，包括股票、债券、基金、房地产等。
储蓄策略：通过定期存款、通知存款、活期存款等方式，实现资金的保值和增值。
保险策略：为客户推荐合适的保险产品，如寿险、意外险、健康险等，实现风险的有效转嫁。
信托策略：为客户提供个性化的信托服务，满足其特定的财富管理需求。
了解客户需求：通过问卷调查、面谈等方式，了解客户的财务状况、风险承受能力、投资目标等。
制定理财方案：根据客户需求，制定个性化的理财方案，包括投资策略、储蓄策略、保险策略、信托策略等。
定期评估与调整：定期对客户的理财方案进行评估，根据市场变化和客户需求进行调整。
银行个人理财战略是现代社会中个人财富管理的重要组成部分。
通过制定和执行合适的个人理财战略，客户可以有效地进行财富的积累、保值和增值。
银行也需要不断地优化其个人理财服务，提高服务质量，满足客户的个性化需求。
在全球化的大背景下，对银行个人理财战略的中英文对照外文翻译文献进行探讨，不仅可以促进国内银行提升个人理财服务的水平，也可以帮助国内银行更好地走向国际市场，服务于全球客户。
随着经济的发展和人民收入水平的提高，个人理财业务逐渐成为银行业务的重要组成部分。
本文以中国建设银行个人理财业务为研究对象，对其战略进行研究，旨在提高该行个人理财业务的竞争力，更好地满足客户需求。
中国建设银行是我国五大国有商业银行之一，拥有丰富的金融资源和良好的品牌形象。
近年来，该行个人理财业务发展迅速，但也暴露出一些问题，如产品同质化严重、客户服务不到位等。
我国商业银行个人理财业务发展问题研究【文献综述】
我国商业银行个人理财业务发展问题研究【文献综述】文献综述我国商业银行个人理财业务发展问题研究国内外关于商业银行个人理财业务发展的研究成果丰硕，主要包括以下几个方面：1 国外文献综述西方经济学家F·莫迪利亚尼与R·布伦贝格(1954)共同创建的生命周期理论认为：每个家庭都是根据一生的全部预期收入来安排自己的消费支出的，以实现一生消费效应最大化的目的，各个家庭的消费取决于他们在生命期内所获得的总收入和财产。
由于交易成本和部分消费者时间和信息有限性等问题，动态的资产分配工作应当由金融中介机构实施，商业银行作为现代金融的主要机构，可满足消费者这一要求。
著名学者马科维兹（1952）提出了投资组合理论，指出在任何投资都存在一定风险的基础上，投资者在投资过程中应避免过度集中某个项目，多样化投资，分散风险，从而提高收益率。
基于资产组合理论，夏普等人创立了资产定价理论，提高了组合投资的实用性，从而进一步寻求最佳的投资组合。
此后，威廉·夏普、约翰·林特纳和简·莫辛（1965）提出的资本资产定价模型(CAMP-Capital Asset Pricing Model)，标志着分析金融学走向成熟。
该模型运用到个人理财方面，理财师往往只推荐他们所熟悉的若干种投资工具，因此，投资组合理论和资本资产定价模型为理财业务的进一步拓展和理财产品的多元化组合奠定了理论依据。
霍尔曼和诺森布鲁门(2003)论述的要依据个人实际情况来想客户介绍多种理财工具、制定专门的个人理财计划和选择合适的理财工具。
因此，作为商业银行个人理财业务的巨大推动器的金融创新思想一方面提高了行业间的竞争力，也对金融业的监管提出了更高的要求。
2国内文献综述随着国内关于商业银行个人理财业务的快速发展，大量相关的研究不断涌现，大批学者对发展中出现的问题进行了总结和探索，主要体现在以下方面：2.1 个人理财业务客户关系管理研究王实、张胜（2006）指出客户关系管理的核心是：客户是银行的一项重要资产，客户关怀是中心，客户关怀的目的是与所选客户建立长期和有效的业务关系，在于客户的每一个“接触点”，更加接近客户、了解客户，从而最大限度地增加利润。
商业银行个人理财业务存在问题及对策【文献综述】
文献综述商业银行个人理财业务存在问题及对策商业银行的个人理财业务从其发展历史来看，是随着西方金融业的逐步繁荣而发展起来的，现已成为世界各大银行的一项主要业务。
近年来，我国的国民经济一直保持着较快的增长率，经济形势良好，居民个人可支配收入也迅速增加，消费结构发生了明显的变化，人们的金融投资和金融风险意识也日渐增强，因此居民的个人理财需求也日益旺盛，这为中国的个人理财业务提供了广阔的发展空间，同时也加大了对我国商业银行个人理财业务发展的研究。
1国外文献综述个人理财起源于金融创新，所以国外学者大多从金融创新角度出发，对个人理财业务产生的理论基础加以概况。
代表性研究著作有：熊彼特（1912）认为创新是一个经济概念而非技术概念。
创新可以模仿和推广来促进经济发展。
当一个企业通过创新而获利后，其他企业会进行模仿，继而在整个行业掀起一股创新浪潮，而一个行业的发展又会带动其他行业乃至整个经济社会的发展。
经济社会的发展又会导致银行信用和生产资料需求扩大。
当创新带来的利润趋于消失，银行信用和生产资料的规模又会收缩——如此循环往复，社会经济便会不断向前发展。
熊彼特最先提出了创新理论，是个人理财业务产生的理论基础。
马科维兹（1952）通过“预期报酬一方差分析”方法，得出在各种证券组合情况下的一般规则：在给定的预期报酬下，期望组合风险最小；在给定的组合风险下，期望投资收益最大。
马科维兹提出的投资组合理论，体现了投资组合理论的目标，在以后夏普所创立的资产定价理论中，增进了组合投资方法的实用性，进一步完善了研究投资组合理论旨在投资决策中，寻求一种最佳的投资组合的目的。
威廉·夏普(1965)提出了资产定价模型（CAMP-Capital Asset Pricing Model)，他认为资本资产定价模型讨论的主要是单项有风险资产在资本市场上的定价问题，也涉及到个人理财方面的内容，如个人理财业务实际运作时，理财专业人员往往只推荐他们所熟悉的若干种投资工具(如有价证券等)，而不是去经营一个市场组合，可以利用资本资产价模型中证券市场线(SMI——Security Market Line)，来评估个人理财客户经理的经营业绩。
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)
The Development Status and Strategy Research of Commercial Banks’Personal Financial ManagementBusiness in ChinaAbstract: The personal financial management business in our country is in the initial stage，compared to the developed one in western，there’s 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 o rder to promote the development of personal financial business in our management country．Keywords：Commercial banks，Personal financial management，Strategy1 IntroductionThe commercial banks are facing the new situation：the increasing danger in traditional business．the margin of the interest rate’s turning increasingly narrowed and foreign bank’s 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，there’s 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 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 rate’s turning increasingly narrowed and foreign bank’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，widerange of business，and stable income．For those advantages the personal financial m anagement business becomes commercial banks’main 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 bank’s 30％．Compared to the developed one in western．there’s still a long way to go but it has a bright market expectation．However，our country’s 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 China2.1 The development situation of individual money matters operation in commercial bank of ChinaManage money matters operation refers to commercial bank uses professional advantages like various kinds of financial knowledge，professional technique and wide fund credibility and according t o clients’financial position and investment requirement，provide clients with professional service activities，such as financial analysis．financial planning，investment counselor 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 people’s 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 people’s real need to accumulate part of their pension through manage money matters．Under the circumstances．individual money matters operation of commercial bank develops 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 ChinaAs 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 1eader 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 the bank．3 The Reasons Why We Have Problems in Personal Financial Business in Our National Commercial BanksThe reason why we have so many problems in personal financial business in our national commercial banks is not just because of one single element，but because of many aspects．The reason that we still take separate operation in practice .The policies and regulations．idea of supervision and measures in China still not keep pace with the development of era；we still rely on separate operation and separate management to keep watching to the financial risk．But this kind of operation mode increases the cost of processing personal financial business in commercial banks．and it is hard to make good results．The reason why all the products have the same quality.As it is limited by the idea，the analysis of personal finance business from our commercial banks are not totally correct，there still exists some deficiencies to theresearch of clients，as a result．nearly all the financial products are the same．The reason why we have a shortage of high—quality financial manager The capability of training finance managers in our country is still undeveloped and the mentality relatively falls behind with developing countries，so most of excellent managers choose to enter foreign banks, and it will be reasonable that the managers couldn’t reach the requirements in national commercial banks．The reason why we are lack of the consciousness of financial management .As we are developing our economy in recent years, it results in a lack of financial culture and financial consciousness．Firstly, people just have some egg money；they can hardly adjust to the life style which adds the finance management into it．Secondly, the influence of traditional concept and shortage of understanding the personal financial business in banks result in the lack of financial consciousness and the deficiency of sense of identity and safety．The reason why we are lake of cultivation Our national commercial banks are limited by system, thinking, technique and objective environment and some influences so that our national commercial banks’s cultivation stagnates, in some high—profited area，we couldn’t keep the pace．And if we don’t solve the problem of lack of cultivation，it is hard for us to complete with foreign banks．4 The Questions Exit in Individual Managing Financial Services in Commercial Bank of ChinaA good financial planner should know everything about a product and have a good knowledge of security, bank，insurance。
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)讲课教案
The Development Status and Strategy Research of Commercial Banks’Personal Financial ManagementBusiness in ChinaAbstract: The personal financial management business in our country is in the initial stage，compared to the developed one in western，there’s 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 o rder to promote the development of personal financial business in our management country．Keywords：Commercial banks，Personal financial management，Strategy1 IntroductionThe commercial banks are facing the new situation：the increasing danger in traditional business．the margin of the interest rate’s turning increasingly narrowed and foreign bank’s 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，there’s 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 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 rate’s turning increasingly narrowed and foreign bank’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，widerange of business，and stable income．For those advantages the personal financial m anagement business becomes commercial banks’main 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 bank’s 30％．Compared to the developed one in western．there’s still a long way to go but it has a bright market expectation．However，our country’s 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 China2.1 The development situation of individual money matters operation in commercial bank of ChinaManage money matters operation refers to commercial bank uses professional advantages like various kinds of financial knowledge，professional technique and wide fund credibility and according t o clients’financial position and investment requirement，provide clients with professional service activities，such as financial analysis．financial planning，investment counselor 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 people’s 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 people’s real need to accumulate part of their pension through manage money matters．Under the circumstances．individual money matters operation of commercial bank develops 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 ChinaAs 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 1eader 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 the bank．3 The Reasons Why We Have Problems in Personal Financial Business in Our National Commercial BanksThe reason why we have so many problems in personal financial business in our national commercial banks is not just because of one single element，but because of many aspects．The reason that we still take separate operation in practice .The policies and regulations．idea of supervision and measures in China still not keep pace with the development of era；we still rely on separate operation and separate management to keep watching to the financial risk．But this kind of operation mode increases the cost of processing personal financial business in commercial banks．and it is hard to make good results．The reason why all the products have the same quality.As it is limited by the idea，the analysis of personal finance business from our commercial banks are not totally correct，there still exists some deficiencies to theresearch of clients，as a result．nearly all the financial products are the same．The reason why we have a shortage of high—quality financial manager The capability of training finance managers in our country is still undeveloped and the mentality relatively falls behind with developing countries，so most of excellent managers choose to enter foreign banks, and it will be reasonable that the managers couldn’t reach the requirements in national commercial banks．The reason why we are lack of the consciousness of financial management .As we are developing our economy in recent years, it results in a lack of financial culture and financial consciousness．Firstly, people just have some egg money；they can hardly adjust to the life style which adds the finance management into it．Secondly, the influence of traditional concept and shortage of understanding the personal financial business in banks result in the lack of financial consciousness and the deficiency of sense of identity and safety．The reason why we are lake of cultivation Our national commercial banks are limited by system, thinking, technique and objective environment and some influences so that our national commercial banks’s cultivation stagnates, in some high—profited area，we couldn’t keep the pace．And if we don’t solve the problem of lack of cultivation，it is hard for us to complete with foreign banks．4 The Questions Exit in Individual Managing Financial Services in Commercial Bank of ChinaA good financial planner should know everything about a product and have a good knowledge of security, bank，insurance。
国内商业银行个人理财业务现状及对策 论文
国内商业银行个人理财业务的现状及对策一、个人理财业务的发展背景个人理财，又称个人财务规划（financial planning），是一个评估客户各方面财务需求的综合过程，它是由专业理财人员通过明确个人客户的理财目标，分析客户的生活、财务状况，从而帮助客户制定出可行的理财方案的一种综合金融服务。
个人理财是对客户的综合需求进行有针对性的金融服务组合创新，是一种全方位、分层次、个性化的服务。
它包括个人/家庭生命周期每个阶段的资产和负债分析、现金流量预算和管理、个人风险管理与保险规划、投资目标确立与实现、职业生涯规划、子女教育规划、居住规划、退休规划、个人税务筹划与遗产规划等诸多方面。
20世纪70年代以来，全球商业银行在金融创新浪潮的冲击下，个人理财获得了快速发展，尤其是在经济发达国家，以美国为例：在过去几年里，美国的银行业个人理财业务平均利润率高达35%，年平均盈利增长率约为12%－15%。
美国商业银行以超市的经营理念经营“方便银行”取得了很大的成功;不少美国银行的营业场所比以前变得更易于与顾客沟通,人们对金融服务的要求也越来越多。
由于加强了沟通金融机构与客户的情感联系,由此带来“双赢”的结果。
二、国内商业银行个人理财业务的发展现状上世纪九十年代中后期至今，国内经济持续高速稳定增长，居民财富急剧膨胀、个人资产保值增值需求日益旺盛，这为理财市场的快速发展提供了良好的环境，而且由代客理财业务特性所决定的高利润，以及外资银行的竞争压力，更是直接导致个人理财业务成为国内商业银行竞相争夺的市场，进而推动了我国的理财市场的飞速发展。
1995年，招商银行推出集本外币、定活期存款集中管理及代理收付功能为一体的“一卡通”，是国内首度出现以客户为中心的个人理财产品。
1997年，中信实业银行广州分行成为首家成立私人银行部的国内银行，并推出了国内首例个人理财业务，客户只要在该行保持最低10万元的存款，就可以享受到该行提供的个人财产保值升值方面的咨询服务。
我国商业银行个人理财业务发展现状研究
我国商业银行个人理财业务发展现状研究【摘要】我国商业银行个人理财业务在金融市场中扮演着重要角色，为个人投资者提供多样化的理财产品，满足其财务需求。
本文通过对我国商业银行个人理财业务的种类与特点、发展现状、存在的问题与挑战、发展趋势以及对策与建议进行深入研究。
发现目前我国商业银行个人理财业务发展尚处在初级阶段，面临着信任度不高、产品创新不足、风险管理不完善等问题与挑战。
未来发展方向应当注重产品创新、风险管理以及提升服务质量，以提升个人理财业务的竞争力。
这将有助于我国商业银行个人理财业务在未来取得更加稳健的发展态势。
【关键词】关键词：我国商业银行、个人理财业务、发展现状、问题与挑战、趋势、对策与建议、发展态势、未来发展方向、结论总结1. 引言1.1 我国商业银行个人理财业务的重要性个人理财业务是商业银行的重要业务之一，对于提高银行的盈利能力和服务实体经济发展具有重要意义。
个人理财业务是商业银行的非利息业务之一，可以增加银行的收入来源，降低银行对于利息收入的依赖性，提高了银行的经营效益。
随着金融市场的不断发展和金融产品的日益丰富，个人理财业务的推出可以满足不同客户对于资产配置、风险管理等方面的需求，提高了金融市场的有效性和流动性，促进了经济的发展。
个人理财业务还可以帮助个人提升财务素养，增强风险意识，提高财富管理能力，从而更好地参与到社会经济活动中来，推动社会经济的发展和稳定。
我国商业银行个人理财业务具有重要的战略意义和实践意义。
1.2 研究背景在过去几年里，我国商业银行个人理财业务得到了迅猛的发展，不断满足着人们日益增长的理财需求。
随着我国经济的快速发展和金融市场的不断完善，个人理财业务已成为商业银行中最重要的一个业务板块。
研究背景是指对当前问题的深入探讨和解决的必要性和紧迫性。
在我国商业银行个人理财业务发展的背景下，研究其现状和问题，并提出相应的应对对策和建议，对于推动我国商业银行个人理财业务的健康发展具有重要意义。
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The Development Status and Strategy Research of Commercial Banks’Personal Financial ManagementBusiness in ChinaAbstract: The personal financial management business in our country is in the initial stage，compared to the developed one in western，there’s 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 o rder to promote the development of personal financial business in our management country．Keywords：Commercial banks，Personal financial management，Strategy1 IntroductionThe commercial banks are facing the new situation：the increasing danger in traditional business．the margin of the interest rate’s turning increasingly narrowed and foreign bank’s 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，there’s 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 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 rate’s turning increasingly narrowed and foreign bank’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，widerange of business，and stable income．For those advantages the personal financial m anagement business becomes commercial banks’main 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 bank’s 30％．Compared to the developed one in western．there’s still a long way to go but it has a bright market expectation．However，our country’s 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 China2.1 The development situation of individual money matters operation in commercial bank of ChinaManage money matters operation refers to commercial bank uses professional advantages like various kinds of financial knowledge，professional technique and wide fund credibility and according t o clients’financial position and investment requirement，provide clients with professional service activities，such as financial analysis．financial planning，investment counselor 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 people’s 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 people’s real need to accumulate part of their pension through manage money matters．Under the circumstances．individual money matters operation of commercial bank develops 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 ChinaAs 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 1eader 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 the bank．3 The Reasons Why We Have Problems in Personal Financial Business in Our National Commercial BanksThe reason why we have so many problems in personal financial business in our national commercial banks is not just because of one single element，but because of many aspects．The reason that we still take separate operation in practice .The policies and regulations．idea of supervision and measures in China still not keep pace with the development of era；we still rely on separate operation and separate management to keep watching to the financial risk．But this kind of operation mode increases the cost of processing personal financial business in commercial banks．and it is hard to make good results．The reason why all the products have the same quality.As it is limited by the idea，the analysis of personal finance business from our commercial banks are not totally correct，there still exists some deficiencies to theresearch of clients，as a result．nearly all the financial products are the same．The reason why we have a shortage of high—quality financial manager The capability of training finance managers in our country is still undeveloped and the mentality relatively falls behind with developing countries，so most of excellent managers choose to enter foreign banks, and it will be reasonable that the managers couldn’t reach the requirements in national commercial banks．The reason why we are lack of the consciousness of financial management .As we are developing our economy in recent years, it results in a lack of financial culture and financial consciousness．Firstly, people just have some egg money；they can hardly adjust to the life style which adds the finance management into it．Secondly, the influence of traditional concept and shortage of understanding the personal financial business in banks result in the lack of financial consciousness and the deficiency of sense of identity and safety．The reason why we are lake of cultivation Our national commercial banks are limited by system, thinking, technique and objective environment and some influences so that our national commercial banks’s cultivation stagnates, in some high—profited area，we couldn’t keep the pace．And if we don’t solve the problem of lack of cultivation，it is hard for us to complete with foreign banks．4 The Questions Exit in Individual Managing Financial Services in Commercial Bank of ChinaA good financial planner should know everything about a product and have a good knowledge of security, bank，insurance。