我国商业银行个人理财产品发展存在的问题及对策外文翻译VIP免费

毕业论文外文翻译banksRetailbankingreferstothecommercialbanksusemodernmanagementtheory,relyingonhigh-techShouduan,toindividuals,familiesandsmallandmediumenterprisesintegrationoffered,integratedfinancialservices,includesdepositloans,settlement,exchange,investmentandwealthmanagementbusiness.Retailbankingbusinessisnotshortforaparticularbusiness,butthegeneraltermformanybusinesses.Ithasawiderangeofbusinessareas,boththetraditionalbankingbusiness,mayalsobenewbusiness;bothbusinessassetmayalsobealiabilitybusinessandintermediatebusiness,itcanbeon-linebankingandsoon.IntheWest,retailbankingisthemostimportantsourceofprofitforcommercialbanks.China'sretailbankingbusinessiscurrentlyfacinggreatdevelopmentofthesituation.Thecurrentdevelopmentoftheretailbankingbusinessisthemainobstaclefacedbybankswithinthebodyperfect,themarketoperationmechanismisnotperfectandimperfectcreditlawsandregulations.AsChina'sfinancialindustrytoenhanceinternationallevel,asChina'sdomesticdemand-ledeconomicgrowthmodelofthemature,doublingnationalwealth,ourcommercialbankingbusinessthefocushasmovedfrom"productionservices"to"consumerservices",inthehigh-endconsumerarebecominganimportantsourceofbankassetgrowth,thesourceofprofitsintheformofbanksincreasingshareofpossession.Therefore,howtofurtherspeedupChina'scommercialbankstoretailbankingbusiness,thefinancialsectorhasbecomethemajortheoreticalandpracticalissues.1,thedevelopmentofretailbankinginChinaandproblemsofInrecentyears,China'sbankingindustryclearlytheretailbankingasoneofthemainstrategicdirectionsontheagenda,thebankisproposedtocreate"thefirstretailbanks"ofthestrategicgoalsanddevelopedadetailedstrategicplan.AgriculturalBankofChinatotheretailbusinessmarkettransformationasthefocusofsharereform,theBankofChinaRoyalBankofScotlandmainattackinhandofprivatebankingandwealthmanagementbusiness,ChinaConstructionBanktostrengthentheSMEloansasanopportunitytoacceleratetheconstructionofretailbanking.Inviewoftheretailbankingbusinessin2007onthecontributionofbankperformance,into2008years,themainattackforcethebankshavemadetheretailbankingbusiness,competitioninChina'sbankingindustryofficiallyenteredtheeraofclosecombat.Butbehindtherapiddevelopmentofretailbanking,weseeChina'sretailbankingfromcommercialbankingwholesalebackwardfromthevariousrisksemergedfromthewomb,andespeciallyinmarketing,isnotapriorityformanybanksandretailcustomers,butthecreditandrisks.Inaddition,theyandcustomercontactsareusuallytransactional,andtherefore,bankstendtofocusontradingefficiency,ratherthanserviceandsales.China'sbankingindustryunderstandingoftheretailbankingtherearefourerrors:1,cannotbescientificandreasonablecustomersegments,customercannotprovidedifferentiatedproductsandservices,customermanagementloose.State-ownedcommercialbank'sretailbankingbusinessisstillinthestageofmassmarketing,thuscausingthehighcostofproductmarketing.Evolvedfromacommercialbankmanagementmodeldoesnotmeettheneedsoftheretailbusiness.Canbringdifferentprofitsforclientsofthedifferentiationstrategyisadopted,thedifferenceoftheserviceandotherissues,thereisnoeffectivemanagementmaintenancesystem,thelackofmatchingoftheoperationandmanagementagency.2,asinglefinancialproduct,thelackofproductstochoosefromtherich.Swarmagentfundsfromlastyeartothisyear'sdifficultmarketsituationoffinancialproducts,showsveryclearlythatoperateoverasingleretailbankingproducts,addedvalue...