我国银行发展个人金融业务之探讨

The Discussion on the Development of Private Banking Business in China

发展个人金融业务不仅是我国银行迎接加入WTO后的挑战的需要 ,而且是适应我国企业直接融资发展较快和电子技术的不断进步的必然选择。个人金融业务不仅能为个人客户提供全方位、高质量的服务 ,还能为银行自身带来稳定的收入。面对我国个人金融业务起步较晚、发展缓慢但极具潜力的局面 ,银行应在借鉴国际经验的基础上针对我国个人客户的实际情况 ,采取合理的对策 ,把个人金融业务当作主要业务来加以发展。

For China′s commercial banks, to develop the private banking business is not only required by the challenge of WTO entry but also the inevitable choice for them to keep abreast of the rapid development of direct financing and the electronic technology.Actually,on the one hand,private banking business can provide comprehensive and high-quality service to the individuals.On the other hand the bank itself could be benefited from the stable income.In China private banking business is undeveloped but has fine potential.Therefore,considering the current situation of domestic commercial bank,China should expand private banking business as its priority by taking rational measures and using international experience for reference.