国内商业银行个人理财业务发展特点及趋势分析

Analysis on Domestic Commercial Banks' Personal Finance Business Development Characteristics and Its Trend

近年来,随着我国商业银行改革的稳步推进和居民理财意识的日渐增强,个人理财业务逐步发展壮大,成为银行个人金融业务的重要组成部分。本文回顾整理了个人理财业务在我国发展的三个阶段及其特征,在此基础上,从发展方向、客户关系管理、理财产品开发、风险管理及服务质量提升等五个方面,对我国商业银行个人理财业务的发展趋势进行了展望。

This paper reviews the order of the Personal Financial Services in China and characteristics of the three stages of development,on this basis,from the direction of development,customer relationship management,fi-nancial product development,risk management and improve service quality in five aspects,China＇s commercial banks personal financial business development trend is predicted.