试论中资商业银行个人理财业务的定位与发展

A Brief Discusson about the Orientation and Development of Personal Financing Operation in State Commercial Banks

中国加入WTO以后,中资银行普遍开办了个人理财业务,这对中资银行积极参与国际竞争将起到积极作用。但在实践中,中资银行的个人理财业务发展还不够理想,必须通过中外资银行在此项业务领域中的优劣势比较,在目标市场、功能、竞争策略方面进行准确定位,再通过各种手段加以发展,才能将中资银行的此项业务推进到一个更高的水平。

After China entering WTO, almost all state commercial banks have run personal financing operation.And it plays an active role for state commercial banks to participate in international competition.But during the practice,state commercial banks don't develop personal financing operation well enough.And this operation can be arrived at a higher level through the comparison of the operation between state commercial banks and foreign commercial banks,accurate orientation in target market,functions,competition tactic and all kinds of means to develop.