我国国有商业银行个人金融业务发展的探析

我国国有商业银行个人金融业务发展的探析
摘 要

我国国有商业银行的个人金融业务已经发生了根本性的变化，从传统的储蓄业务到零售业务，再到目前的个人金融业务，特别是随着我国加入世界贸易组织，金融业开放步伐日益扩大，国内个人金融业务正在面临更加激烈的竞争。以个人理财、个人融资为主的个人金融业务正在成为国际上一些大型商业银行的主营业务，零售业务的利润占利润总额的比重达到50%左右，已成为商业银行实现盈利的重要渠道。但是，面对日新月异的金融环境，国有商业银行还存在着保守的经营理念、匮乏的人才资源、僵化的运营机制、滞后的市场营销、盲目的产品开发等各方面的弊端，尤其需要研究探讨并尽快制定个人金融业务发展的新思路、新对策，加快体制改革、增强竞争能力、强化服务手段、扩大市场份额、提高经济效益。
【关键词】国有商业银行   个人金融业务   发展现状    对策研究
China's state-owned commercial banks, development of personal financial services

Abstract

China's state-owned commercial banks, personal financial services, have taken place fundamental changes. From the traditional savings business to retail business, to the current personal financial business, in particular, with China's accession to the World Trade Organization, The increasing pace of opening the financial sector, Chinese personal financial services is facing more intense competition. Personal financial services, which based on personal financial management and personal finance, is becoming the main business of some large international commercial banks. The profits of the retail business proportion of the total profit of about 50%, has become an important channel of commercial banks achieve profitable. However, facing the rapidly changing financial environment, State-owned commercial banks still have a conservative business philosophy, lack of human resources, rigid operating mechanism behind the marketing, the blind and other aspects of product development disadvantages, particularly, need to study and develop personal financial services as soon as possible the development of new ideas, new strategies to speed up structural reform, enhance competitiveness and strengthen the service means to expand market share, increase economic efficiency.
【Key words】State-owned commercial banks   Personal Financial Services   Development Status   Strategy

*若需了解更多与协助请咨询↓→[电脑QQ][手机QQ]【数据协助】