商业银行发展个人银行业务的研究

A Study on the Development of Personal Banking Services in Commercial Banks

随着我国个人收入的迅猛增长、金融意识的增强及金融资产总量的增加与结构的变化,既对我国商业银行个人银行业务提出了新的需求,也为其提供了广阔的发展空间,本文从发展个人银行业务的重要性和必要性入手,分析了国内商业银行发展个人银行业务所存在的主要问题,提出了做大做强个人银行业务的途径:转变经营理念,调整经营战略;加快产品创新,推进品牌建设;整合营销渠道,优化业务流程;加强队伍建设,提升员工素质;强化风险意识,严格控制风险。

The rapid growth of personal income in our country, the enhancement of financial consciousness and the increase in total financial property and its structure change, present new demands on personal banking services in the domestic commercial banks, as well as provide great opportunities for their growth. This paper, after analyzing the importance and necessity of developing personal banking business and the major issues arisen during its development in commercial banks, proposed an approach to build bigger and stronger personal banking services： transform operation philosophy and adjust operation strategy; speed up product innovation and advance brand construction; consolidate marketing channels and optimize service flow; enhance team-building and improve staff qualification; strengthen risk consciousness and tighten risk-controls.