银行个人金融业务经营策略探讨

个人金融业务的创新和发展既可以推动商业银行经济功能的转变,又有助于银行资产、业务、收益及客户结构的优化。然而发展定位不明确,业务创新迟缓,营销管理落后,缺乏专业化人才是直接影响我国个人金融业务发展与竞争实力提高的主要因素。作者进而指出,调整战略布局,在产品创新、市场营销和专业团队等关键环节上取得突破并注重整体协同发展将是银行个人金融业务解决问题取得发展的根本途径。

The innovation and development of personal finance business not only promotes the development of national commereial bank, but also helps the optimization of bank asset, business, profit and customer structure. Huwever, ambiguous developnlent position, sluggish business innovalion, lagged marketing managemenl and the lacking of professional staff are main factors which are direetly affecting personal finanee business development and competitive advantage. Furthermore, the author points out thai the adjustment of strategy arrangement, achieving breaks in product innovation, marketing and professional team,and paying allention to coordinated development in a whole will be the essential approach to the development or personal finauce business.