1、 中文 3505 字 一、英文原文 Chinas banking industry analysis of the prospects of Personal Financial Services In recent years, Chinas personal finance business has grown by leaps and bounds, but the commercial banks to provide customers with investment banking services there are still many problems. Chinas com
2、mercial banks for business, personal financial problems, combined with the practice of personal financial services at home and abroad, this paper presents the corresponding countermeasures, as well as the prospects for analysis. First, Chinas banking industry of Personal Financial Services of the ma
3、in problems in 1, the lack of a financial professional knowledge and skills of all financial personnel. Banks, Personal Financial Services, as with other business related to the quality of staff, due to personal financial management business has involved a wide range of policy-related, the situation
4、 is complex, and high service requirements, banks need to set up a political quality, dedication and strong Account Manager expert team to provide customers with all-round, multi-function financial services. However, the long-term operation of the banking sub-sector a general lack of good financial
5、management personnel. Is not highly qualified financial advisor can be simply created by the need to have a good quality of their own based on the professional and systematic training to complete, but this is a long-term need to continue the process of accumulation. Therefore, the lack of qualified
6、financial advisor personal finance has become business development bottleneck of together. 2, marketing the concept of lag, lack of initiative to create awareness of the market. For such goods in terms of personal financial management, marketing is crucial. At present, the Bank is lagging behind the
7、 concept of marketing, highlighted as follows: to develop awareness of the market is not strong, is still waiting for passengers to sit in the offices used to come； marketing behind, to stay competitive in the general means； of marketing market segmentation does not have with the formation of stable
8、 customers, and so on. Banking is a people-oriented industry, a solid customer base is a valuable resource bank, the customer demand is the banks service area and the area. Chinas commercial banks to develop a good personal financial business, it is necessary to survive in the competition, the only
9、customer around the customers to develop strategic plan to enhance marketing. To attract customers, retain customers, banks in order to survive. 3, Personal Financial Services in the day-to-day problems in the operation. Some banks are not in accordance with the regulatory requirements of financial
10、management of funds will be Valet self-financing with the banks to separate management, separate accounts. Some banks are not financial products, such as valet after due accounting, the allocation of investment income, but the regular operating expenses in the provision of interest payable, and then
11、 the interest payable on investment income to pay for the name of the account to the customer； some banks payment of interest by the branch first, and then advance the interest on the designated head office . ., these are non-standard mode of operation. Regulatory requirements of various commercial
12、banks repeatedly in the personal financial product sales may not be the commitment from the loss of margin and the minimum rate of return, but most banks did not request. If the banks in financial management to provide customers with product brochures promised fixed rate of return of the product, an
13、d ultimately do not cap earnings, far higher than the deposit interest rates over the same period, the principal financial management to ensure 100% due to return； although some banks the use of the expected rate of return, but pay for each product to its customers and the real rate of return is exp
14、ected to yield exactly the same； the majority of banks are regularly on a quarterly basis to its customers pay a fixed income, and even some eye-catching way to prompt customers free of interest tax to enhance the financial attractiveness of products to customers. Second, to solve the problem of Per
15、sonal Financial Services Countermeasures Chinas commercial banks for business, personal financial problems, at home and abroad and the practice of personal financial services, our customers should be to cultivate resources, a clear market position, focus on financial products, complex areas such as
16、professional training to further the development of personal financial services market. 1, Developing a good training program to enhance the professional level of client manager. Mixed operation of financial globalization and the globalization of the financial sector staff has put forward higher req
17、uirements, in addition to a solid professional knowledge, should also have good language, communication and the ability under pressure, so the formation of a professional, all-powerful personal finance experts is imperative. This is not only the training needs, but also Chinas response to the needs
18、of financial globalization. Bank management in strengthening the business development of the personal financial situation of the study, research, and actively create conditions to set up client manager at the same time, it is necessary to enhance their training and management. In addition, domestic
19、banks should actively cooperate with foreign institutions, the introduction of international experience, the establishment and improvement of client managers and the industry-standard professional ethics, to create a line with the national conditions of Chinas financial practitioners qualification s
20、ystem (the United States can learn from financial planners CFP Certification System Division), Chinas commercial banks to standardize the development of financial industry to enhance the quality of client manager. 2, adjustment of marketing strategy, create a brand. In recent years, more and more fi
21、nancial products homogenization serious cases, the brand marketing has become the banks have an important means of competition in the initiative. Therefore, we need to re-planning of existing businesses, in the breadth, depth and relevance of three elements make an issue of degree. Through the appli
22、cation of modern high-tech means of timely and uninterrupted series to market, specialization and modernization of the business of new products, complemented by beautiful packaging, a wide range of information, good service, make it more relevant to the needs of the market , the commercial banks to
23、establish business management best-known brand names, and through a variety of existing business advocacy positions to promote a unified image of a unified marketing promotional materials to attract more customers. In marketing strategy should be based on geography, income, lifestyle and different s
24、tandards in light of its own characteristics and advantages of differential operation, focused, take the main financial management, franchise management, special management, quality management, the road. 3, to take measures to address the financial aspects of the daily operation of business problems. Personal Financial Services is a client for the realization of investment in value-added, in accordance with the self-financing, at their own risk principle, with the banking commission signed an agreement to entrust their money to
