西方商业银行个人理财业务发展新趋势及其借鉴

New Trends and Revelation of Individual Financial Affairs Development of Western Commercial Banks

个人理财业务是西方商业银行业务领域最重要的组成部分和利润增长点。目前,各家中资商业银行也都在纷纷制定计划和方案,寻找市场目标定位和突破口,争取在个人理财业务方面占领有利的位置和更大的市场份额。因此,介绍和总结西方商业银行在个人理财业务方面发展的一些新趋势,可为我国商业银行开展个人理财业务提供有益的启示和借鉴。

Individual financial affairs are the most important part of services of Western commercial banks and is the potential project which can bring great profit. Recently, our commercial banks have been setting down plans and seeking target markets, in order to share as much market quota as possible and get their own comparative advantages in individual financial affairs. This thesis introduces some new trends of the development of Western commercial banks in individual financial affairs in order to offer some efficient revelations for our commercial banks.