对于我国个人理财业务兴起的原因，洪流（2008）认为首先是宏观经济快速增长，人民收入不断增加为理财规划奠定了物质基础，其次是经济结构调整和社会转型发展带来了一些不确定因素，加之社会基本保障滞后，催生了人们的理财需求，再次是金融产品的日渐丰富，提高了人们的投资理财意识。
然而，国内个人理财业务虽已呈现出巨大的发展潜力，但仍然存在种种的缺陷。对于中国商业银行个人理财业务的现状，陈冉（2008）认为虽然各商业银行开办了各种各样的业务，但其共同特点表现为银行的理财服务产品，以结算类为主，层次低，品种少；理财服务也仅是为客户咨询，提供理财建议书，理财服务设置的门槛过高；对于国际上主流的个人信托业务涉足少；侧重于推销银行现有产品，对客户的个性化服务不够；国内各银行所提供的理财产品基本上同质，缺乏品牌。
王静然（2008）则通过对比中、外资银行理财产品，得出以下结论，首先是目标客户定位不同，中资银行门槛比外资银行低；其次，产品结构不同；再次，风险控制能力不同。中资银行在风险控制上没有外资银行稳健。虽然中资银行理财产品数量远大于外资银行，但各大银行理财产品同质化现象比较严重。另外，由于技术和研发力量薄弱，不具备较强自主研发创新产品和定价的能力，在技术含量较高、对资金运作能力要求较高的创新业务领域，如衍生交易、通过国际资金市场运作获取理财收益的产品，几乎空白。
对于存在的种种制约我国商业银行个人理财业务发展的问题，魏昭和曹小平（2009）通过分析，提出了以下对策，科学制定理财产品和服务的营销策略、加强银行个人理财业务的品牌宣传策略、营销渠道的创新、加强银行个人理财业务风险管理和控制水平、广泛运用科学的信息技术加快银行后台支持系统建设。
第一段翻译如下
Cause that the business managing money matters to our country individual springs up, (2008) regards as mighty torrent being that macro-economy increases by rapidly first, that the people invisible income escalation has establish a material base for the plan managing money matters, has been that economic restructuring and society transform secondly develop have brought about a few uncertain factors , in addition, the fundamental guarantee of society has lagged , hastened child delivery people's managing money matters need, be financial products's once again the investment rich , having improved people manages money matters gradually realizing.
第二段翻译如下
But, the individual manages money matters in the homeland though business already displaying the gigantic development potential, but still existence a variety of defects. Business current situation managing money matters to Chinese commercial bank individual, (2008) think of show Chen Ran though every commercial bank has established all kinds of business, but whose common characteristic being that the bank managing money matters serves a product , the kind gives first place to settlement , arrangement of ideas is low , the breed is few; The letter of advice managing money matters serving being to be a customer also only consulting about , providing to manage money matters , the height managing money matters having served the threshold interposing; The individual trust business mounting main current to the international sets foot in being short; Put particular emphasis on Yu promoting sales of the now available product of bank, individuation to the customer serves lack; In the homeland, mainly, product provided by every bank same quality , is short of a brand.
第三段翻译如下
That the Wang Jing Ran (2008) item of the product managing money matters by contrast middle , the foreign bank, reaches the following conclusion, is that target customer allocation is different first , the middle money bank threshold is lower than foreign bank; The secondary , product mix are different; Once again, risk controls ability diversity. The foreign bank is not solid on the middle money bank being controlled in risk. The product and quality managing money matters spend the distant product quantity greater than foreign bank, but every big banks managing money matters though being hit by the money bank phenomenon is comparatively grave. Besides, do not have the ability acting on self's own comparatively by force studying the innovative product and fixed price since the technology and the inkstone hair strength are weak,before technology contents higher , operate an ability to the fund to demand higher FOAK business field, if derive from trade, by the fact that international capital market operates the product gaining the avails managing money matters, nearly blank space.
第四段翻译如下
Problem that the business managing money matters to a variety of existence restraint our country commercial bank individual develops, (2009) the business risks administration managing money matters by the fact that business brand managing money matters having analysed , having brought forward the following countermeasure , science to work out the product managing money matters and the camp who serves selling tactics , the sharpening bank individual propagating tactics , camp selling the channel FOAK , reinforcing bank individual and the background controlling IT wielding science's horizontal , broad accelerating a bank support Wei Zhao and Cao Xiao Ping systematically construction.
文章有些长、、望认真看完、、标准人工翻译、、希望可以帮助你、、
Cause that the business managing money matters to our country individual springs up, (2008) regards as mighty torrent being that macro-economy increases by rapidly first, that the people invisible income escalation has establish a material base for the plan managing money matters, has been that economic restructuring and society transform secondly develop have brought about a few uncertain factors , in addition, the fundamental guarantee of society has lagged , hastened child delivery people's managing money matters need, be financial products's once again the investment rich , having improved people manages money matters gradually realizing.
第二段翻译如下
But, the individual manages money matters in the homeland though business already displaying the gigantic development potential, but still existence a variety of defects. Business current situation managing money matters to Chinese commercial bank individual, (2008) think of show Chen Ran though every commercial bank has established all kinds of business, but whose common characteristic being that the bank managing money matters serves a product , the kind gives first place to settlement , arrangement of ideas is low , the breed is few; The letter of advice managing money matters serving being to be a customer also only consulting about , providing to manage money matters , the height managing money matters having served the threshold interposing; The individual trust business mounting main current to the international sets foot in being short; Put particular emphasis on Yu promoting sales of the now available product of bank, individuation to the customer serves lack; In the homeland, mainly, product provided by every bank same quality , is short of a brand.
第三段翻译如下
That the Wang Jing Ran (2008) item of the product managing money matters by contrast middle , the foreign bank, reaches the following conclusion, is that target customer allocation is different first , the middle money bank threshold is lower than foreign bank; The secondary , product mix are different; Once again, risk controls ability diversity. The foreign bank is not solid on the middle money bank being controlled in risk. The product and quality managing money matters spend the distant product quantity greater than foreign bank, but every big banks managing money matters though being hit by the money bank phenomenon is comparatively grave. Besides, do not have the ability acting on self's own comparatively by force studying the innovative product and fixed price since the technology and the inkstone hair strength are weak,before technology contents higher , operate an ability to the fund to demand higher FOAK business field, if derive from trade, by the fact that international capital market operates the product gaining the avails managing money matters, nearly blank space.
第四段翻译如下
Problem that the business managing money matters to a variety of existence restraint our country commercial bank individual develops, (2009) the business risks administration managing money matters by the fact that business brand managing money matters having analysed , having brought forward the following countermeasure , science to work out the product managing money matters and the camp who serves selling tactics , the sharpening bank individual propagating tactics , camp selling the channel FOAK , reinforcing bank individual and the background controlling IT wielding science's horizontal , broad accelerating a bank support Wei Zhao and Cao Xiao Ping systematically construction.
文章有些长、、望认真看完、、标准人工翻译、、希望可以帮助你、、
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第1个回答 2009-05-31
Personal Financial Services for the rise of China's reasons, flood (2008) that the first is the rapid economic growth, increasing people's income for the financial planning laid the material foundation, followed by economic restructuring and social transformation brought about by the development of a number of uncertainties, In addition, the basic protection of the community behind, gave birth to people's financial needs, is once again becoming rich in financial products and improve people's awareness of finance and investment.
However, personal financial management business has been showing a great potential for development, but there are still a variety of defects. Commercial Bank of China the status of Personal Financial Services, Chen Ran (2008) that, while commercial banks offer a wide range of business, but the performance of the common characteristics of financial services for the bank products to clearing the main category, the level of low, varieties; and financial management services for clients only advisory, the provision of financial proposals, financial services set the threshold too high; for the mainstream of the international community involved in the personal trust business less; emphasis on marketing existing products, banks, personalized customer service not enough; by domestic banks to provide financial products are basically the same, the lack of brand names.
Wang Jing-yin (2008) by contrast, the foreign bank financial products, come to the following conclusions, first, targeting different banks in foreign banks than the low threshold; Secondly, different product mix; again, different risk control. Chinese-funded banks in risk management of foreign banks is not sound. Although Chinese banks is much larger than the number of financial products of foreign banks, but financial products, banks and more serious homogenization phenomenon. In addition, due to the weakness of technology and R & D, and do not have strong independent research and development of innovative products and pricing capabilities, with a high level in technology, operational capability of the higher funding innovative business areas, such as derivative transactions, through access to international capital market operations Financial products revenue, almost blank.
Constraints for the existence of commercial banks of China's personal finance business development,Wei Zhao and CAO Xiao-Ping (2009) through the analysis, the following measures, the scientific development of financial management products and services, marketing strategy to enhance the bank's Personal Financial Services brand promotion strategy, innovative marketing channels to strengthen the bank Personal Financial Services risk management and control level, the wider application of information technology to speed up the scientific background to support the banking system.
However, personal financial management business has been showing a great potential for development, but there are still a variety of defects. Commercial Bank of China the status of Personal Financial Services, Chen Ran (2008) that, while commercial banks offer a wide range of business, but the performance of the common characteristics of financial services for the bank products to clearing the main category, the level of low, varieties; and financial management services for clients only advisory, the provision of financial proposals, financial services set the threshold too high; for the mainstream of the international community involved in the personal trust business less; emphasis on marketing existing products, banks, personalized customer service not enough; by domestic banks to provide financial products are basically the same, the lack of brand names.
Wang Jing-yin (2008) by contrast, the foreign bank financial products, come to the following conclusions, first, targeting different banks in foreign banks than the low threshold; Secondly, different product mix; again, different risk control. Chinese-funded banks in risk management of foreign banks is not sound. Although Chinese banks is much larger than the number of financial products of foreign banks, but financial products, banks and more serious homogenization phenomenon. In addition, due to the weakness of technology and R & D, and do not have strong independent research and development of innovative products and pricing capabilities, with a high level in technology, operational capability of the higher funding innovative business areas, such as derivative transactions, through access to international capital market operations Financial products revenue, almost blank.
Constraints for the existence of commercial banks of China's personal finance business development,Wei Zhao and CAO Xiao-Ping (2009) through the analysis, the following measures, the scientific development of financial management products and services, marketing strategy to enhance the bank's Personal Financial Services brand promotion strategy, innovative marketing channels to strengthen the bank Personal Financial Services risk management and control level, the wider application of information technology to speed up the scientific background to support the banking system.
第2个回答 2009-05-31
Personal Financial Services for the rise of China's reasons, 洪流 Hong Liu (2008) that the first is the rapid economic growth, increasing people's income for the financial planning laid the material foundation, followed by economic restructuring and social transformation brought about by the development of a number of uncertainties, In addition, the basic protection of the community behind, gave birth to people's financial needs, is once again becoming rich in financial products and improve people's awareness of finance and investment.
However, personal financial management business has been showing a great potential for development, but there are still a variety of defects. Commercial Bank of China the status of Personal Financial Services, 陈冉 Chen Ran (2008) that, while commercial banks offer a wide range of business, but the performance of the common characteristics of financial services for the bank products to clearing the main category, the level of low, varieties; and financial management services for clients only advisory, the provision of financial proposals, financial services set the threshold too high; for the mainstream of the international community involved in the personal trust business less; emphasis on marketing existing products, banks, personalized customer service not enough; by domestic banks to provide financial products are basically the same, the lack of brand names.
王静然 Wang Jing ran (2008) by contrast, the foreign bank financial products, come to the following conclusions, first, targeting different banks in foreign banks than the low threshold; Secondly, different product mix; again, different risk control. Chinese-funded banks in risk management of foreign banks is not sound. Although Chinese banks is much larger than the number of financial products of foreign banks, but financial products, banks and more serious homogenization phenomenon. In addition, due to the weakness of technology and R & D, and do not have strong independent research and development of innovative products and pricing capabilities, with a high level in technology, operational capability of the higher funding innovative business areas, such as derivative transactions, through access to international capital market operations Financial products revenue, almost blank.
Constraints for the existence of commercial banks of China's personal finance business development,魏昭 Wei Zhao and 曹小平 Cao XiaoPing (2009) through the analysis, the following measures, the scientific development of financial management products and services, marketing strategy to enhance the bank's Personal Financial Services brand promotion strategy, innovative marketing channels to strengthen the bank Personal Financial Services risk management and control level, the wider application of information technology to speed up the scientific background to support the banking system.
However, personal financial management business has been showing a great potential for development, but there are still a variety of defects. Commercial Bank of China the status of Personal Financial Services, 陈冉 Chen Ran (2008) that, while commercial banks offer a wide range of business, but the performance of the common characteristics of financial services for the bank products to clearing the main category, the level of low, varieties; and financial management services for clients only advisory, the provision of financial proposals, financial services set the threshold too high; for the mainstream of the international community involved in the personal trust business less; emphasis on marketing existing products, banks, personalized customer service not enough; by domestic banks to provide financial products are basically the same, the lack of brand names.
王静然 Wang Jing ran (2008) by contrast, the foreign bank financial products, come to the following conclusions, first, targeting different banks in foreign banks than the low threshold; Secondly, different product mix; again, different risk control. Chinese-funded banks in risk management of foreign banks is not sound. Although Chinese banks is much larger than the number of financial products of foreign banks, but financial products, banks and more serious homogenization phenomenon. In addition, due to the weakness of technology and R & D, and do not have strong independent research and development of innovative products and pricing capabilities, with a high level in technology, operational capability of the higher funding innovative business areas, such as derivative transactions, through access to international capital market operations Financial products revenue, almost blank.
Constraints for the existence of commercial banks of China's personal finance business development,魏昭 Wei Zhao and 曹小平 Cao XiaoPing (2009) through the analysis, the following measures, the scientific development of financial management products and services, marketing strategy to enhance the bank's Personal Financial Services brand promotion strategy, innovative marketing channels to strengthen the bank Personal Financial Services risk management and control level, the wider application of information technology to speed up the scientific background to support the banking system.
