摘要
随着我国加入世贸和外资银行的进入,我国商业银行的个人金融业务这块“大蛋糕”也逐渐成为中外资银行竞争的主要领域。因此,我国商业银行大力拓展个人金融业务已迫在眉睫。文章从介绍我国商业银行个人金融服务的现状入手,分析了我国商业银行个人金融业务在近年来的发展中存在的一些问题。这既有宏观方面的,也有微观主体的原因。最后相应地提出拓展我国商业银行个人金融业务的几点建议。
The individual finance business of commercial banks—— 'A Big Cake' has become the mainest of the competition between the nation banks and the foreign banks, with our country joining the World Trade Organization and the foreign banks coming into the Chinese market. So it is extremely urgent that our commercial banks develop the individual finance business vigorously. The article starts simply with the status of the individual finance service of commercial banks in our country, followed by some questions of the individual finance business in developing recently, which include the macroscopic side and microcosmic main body side. At last, several suggestions are correspondingly presented on expanding energetically the individual finance business of our commercial banks.
