基于个人综合账户的金融服务平台及其产品化研究

Studies on Private Financial Service Platform and Industrialization Based on Private Synthesis Account

近年来,国内商业银行面向个人客户推出了日益丰富的个性化金融产品。但是,在不断满足社会日益增长的金融需求的同时,也使金融机构的管理日益复杂、成本大幅增加;同时客户在面对众多金融产品如何选择时也颇感不便。因此,多种功能金融产品的创新集成,已成为商业银行提高个人金融产品市场竞争力的一种必然趋势。

Private financial business is gradually coming into highlights and appears a fast development trend. However, commercial banking costs also increase largely when they satisfy the gradual financial demands. Meanwhile, the customers also feel uneasy on how to elect good financial products. So the issue on how to integrate so many financial products has become the commercial bank managing trend. Financial product industrialization based on private synthesis account is a good attempt for the trend.