中外资商业银行个人理财业务竞争力比较分析

随着我国商业银行个人理财业务市场的发展和对外开放程度的深入,中外资商业银行个人理财业务的竞争日趋激烈。本文从衡量竞争力的四大要素的角度来对比分析中外资商业银行个人理财业务的竞争力,分析中资银行个人理财业务竞争力较弱的原因,并提出应该完善商业银行个人理财业务发展的宏观环境,商业银行应该健全其个人理财业务发展内部机制等建议。

The Comparative Analysis of Competiveness of Individual Financial Services in Domestic and Foreign Commercial Banks

As the individual financial services of China’s commercial banks become increasingly open to foreign commercial banks,the competition of providing individual financial services between domestic and foreign commercial banks gets much intense.From the perspective of four elements measuring competitiveness,this paper comparatively analyzes the individual financial services of domestic and foreign commercial banks,and finds that the competitiveness of domestic commercial banks is smaller.Therefore,this article studies the reasons why the competiveness of individual financial services in domestic commercial banks is smaller,from the macro level and micro level,respectively,and puts forward that to develop the individual finance services of domestic commercial banks,the central government should improve the macro-economic environment,and the domestic commercial banks should build a sound internal mechanism.