我国个人金融市场的热点及发展预测

在当前存款利率处于历史低位的低息时代 ,券商集合理财、基金、信托、委托贷款和外汇衍生产品等受到了广大个人客户的追捧 ,未来我国个人金融市场将会出现一些显著变化。银行网点的交易功能不断弱化 ,而变成金融产品的销售中心。我国金融业将呈现出“分业经营 ,混业服务”的新模式 ,金融市场格局正在发生一场深刻的变革。

At present, bank deposit interest is at the historical low, therefore, collective financing of securities dealers, fund companies, entrust companies, consigned loans and foreign exchange derivatives become increasingly popular among individual clients. Some apparent changes will occur in the future Chinese personal financial market. The transaction function of bank counters is weakening, turning into sales center for financial products. A new node 'separated operation, universal service' will emerge in Chinese financial industry. A deep revolution in financial market layout is ongoing now.