我国银行私人理财业务的特点与展望

The characteristic and prospect of individual financing of China's banking industry

本文总结了国外银行私人理财的基本业务,分析了我国银行私人理财产生的条件和经营特点,指出了未来发展的三个方向,即向证券业、信托业和投资基金业发展。混业经营是大势所趋,本文的观点包含了对我国金融分业经营模式的改革要求。

The primary revenue of China's banking industry depends on the difference of interest between deposit and credit for a long time. The monotony mode makes china' s banking industry lack of competitiveness. This article concludes the basic operations of individual financing in foreign banks and analyzes the conditions that the appearance of individual financing acquires, the operating characteristics and the orientation of development of individual financing in the future, namely towards to the development in securities, trust and fund industry. The mutual operation is the major trend. The request that reforms the separate pattern of our finance industry is concluded in view point of this article.