商业银行个人金融业务的概况及发展对策

Survey and Development Countermeasure of Commercial Bank Individual Finance Service

现阶段我国银行业个人金融业务已经蓬勃开展起来,但目前我国商业银行个人金融业务还不适应居民金融行为的变化,个人储蓄量的增长并没有成为发展个人资产和负债业务的基础。因此,针对我国个人金融业务的政策性和管理模式的制约,商业银行必须通过深化体制改革,开放银行业混业经营,改革个人金融业务的管理模式,加快品种创新等措施以适应居民金融行为的变化。

Nowadays,personal banking services in Chinese commercial banks have developed rapidly,while personal banking serves cannot fit for the changes of resident＇s financial behavior.In this case,commercial banks must deepen reform of management system,and speed up innovations of financial products to adapt for the changes of resident＇s financial behavior.