我国银行发展私人理财业务有关问题的探讨

Probe into the Problems Relative to the Development of Chinese Bank's Individual Financial Services

发展私人理财业务已成为当今世界的潮流，也是各家银行开拓市场的主要手段。发展私人理财业务宏观上能拉动需求，带动经济增长，微观上又是银行新的业务和利润增长点。通过发展私人理财业务，处于劣势的中小银行可以从局部或根本上调整信贷结构，提高资产质量，增强生存能力。文章还就我国银行发展私人理财业务提出了若干对策和建议，其中包括：提倡私人消费信贷、建立消费信贷银行、发展信用卡业务、取消限制性消费政策、开发私人金融服务新品种，等等。

Developing individual financial services has become a tide of today's world,and aslo is an important method to exploit the markets for all the banks.Developing individual financial service,which can drive people's demand and economic growth objectively,is a new operation and profit increasing point for banks.Through developing individual financial service,middle and small banks being in a hobble are able to regulate their loan structure,increase their assets quality and strenghen their viability partially or completely.This paper also puts forward some countermeaures and suggestions about developing individual financial services in Chinese banks including advocating individual consumer loan,establishing consumer loan banks,developing credit card business,cancelling restricted consumption policies,developing new kinds of individual financial services,etc.