城市商业银行个人金融产品若干问题研究

On Personal Financial Products of Urban Commercial Bank

个人金融产品的竞争成为当前各家商业银行争夺客户的主要方式。城市商业银行面临着全国性商业银行和外资银行的竞争及自身主要靠单一城市经营,力量薄弱的现状。城商行在个人金融产品经营上主要存在信用卡业务发展缓慢,理财产品种类少,为中高端客户服务能力弱等急需解决的问题。文章提出解决上述问题的主要方法是在内部加强服务基础建设的同时,在全国组建城商行同业协会及业务外包。

The competition among personal financial products becomes dominant in expanding the market share by various commercial banks. The urban commercial bank competes with the national bank and the foreign bank. It faces with some problems of personal financial products such as slow credit card development, less financial products, and service ability for VIP customers. The paper suggests, as for the above problems, to improve inside service while establishing urban commercial bank associate national wide and trying business outsourcing.