对开展个人银行业务的几点思考

Ponderings about Developing Banking Business to Individuals

随着居民消费、投资意愿及理财观念的增强,个人银行业务需求也日益多样化,开拓个人银行业务是社会主义市场经济的必然要求,也是经济体制改革的客观要求,它既是商业银行增强竞争能力的内在要求,又是提高商业银行经营效益的根本要求。当前发展个人银行业务的重点是:工薪阶层和代理结算客户群体;股民和代客理财客户群体;个人汇兑和涉外客户群体;老年和学生客户群体。

With the increase of residents' consumption and enhancement of investment intention and financing idea, the demand of banking business to individuals is diversifying increasingly. Developing banking business to individuals is the inevitable demand of socialistic market economy, and also the impersonal demand of economic system reform. It is both the internal demand of enhancing competitive power of commercial bank, and ultimate demand of raising commercial bank management efficiency. At present, the focal point of banking business to individuals is: wages stratum and settlement for clients group; stockholder and financing broker client group; personal exchange and foreign affairs clients group; old people and students clients group.