个人理财业务发展存在的问题及对策

目前,个人理财业务在我国尚处于起步阶段,但市场前景十分广阔。各家商业银行应积极付诸行动,针对其发展中存在的同质化、定位高、缺乏高素质人才等问题,大力发展品牌化服务,创新服务渠道,开展个性化服务,积极培训理财人员,以促进个人理财业务发展。

The Problems and the Countermeasures of Personal Financing Business

At present, personal financing business is still at the starting stage, but there is a great market for it .Commercial banks should realize the importance and necessity of this service, and put it into practice actively. According to the problems of homogeneity, high price orientation and absence of the high-quality people, commercial banks should pay attention to develop the brand services, create the service channels, provide the individual services, and train the professional staff of financing.