我国商业银行个人理财业务发展中的问题和对策

随着中国经济的快速持续发展,居民收入大幅增加,我国个人理财业务发展前景十分广阔。目前中国理财市场处于从无序竞争向规范化发展的转折时期,受相关政策的制约及市场定位不明确、创新意识不足等因素的影响,个人理财业务发展严重落后。因此,商业银行应通过积极加强理财队伍建设,明确市场细分,加强市场营销来促进个人理财业务的发展,这对于我国商业银行今后的发展壮大有十分重要的意义。

The Problems and Solutions in the Development of Individual Financing Services in China's Commercial Banks

With the rapid and sustainable development of China＇s economy,people＇s income has increased rapidly and the prospect for the development of individual financial services is very broad.China financing market is now in the transition from the disorder competition to the standardized development.Affected by the constraints of related policy,uncertain market positioning,lacking innovation awareness and other factors,the development of individual financing services has been far behind.Therefore,commercial banks should promote the development of individual financing services though actively strengthening the financing team construction,making market segments clear and strengthening marketing,which are very important in the future for the development and expansion of our commercial banks.