商业银行开展个人投资理财业务的探析

The Discussion on a Commercial Bank Developing Personal Investment and Financing

随着我国商业银行竞争的加剧及人们可支配收入的增加,个人投资理财业务正成为商业银行的一项重要业务,因此,我国商业银行开展个人投资理财业务是非常的必要。通过对我国商业银行开展个人投资理财业务的必要性、原则及措施进行探讨与分析,指出我国商业银行个人投资理财业务必须加以约束和规范,确保商业银行个人投资理财业务的健康开展。

Along with the competition of our commercial bank and the increasing of the discretionary income, the personal investment and financing are becoming an important business. Thus, our commercial bank which develops personal investment and financing are very important. This article analysed and discussed the necessity, principle and measurejent of developing personal investment and financing, which points out that our commercial bank our commercial bank＇s personal investment and financing must keep within bounds and conform to the standard and assure the healthy development of the personal investment and financing.