我国商业银行理财业务发展研究

近年来,随着我国金融体制改革的快速推进,个人理财业务逐渐成为银行业务发展的新方向和竞争焦点所在。虽然经过几年的发展,我国商业银行的个人理财业务已取得一定成绩,但其发展过程中还存在着机制流程以及后台支持体系的欠缺,大量高素质理财人才的缺乏等问题。本文提出了发展我国商业银行个人理财业务的对策建议。

A Study of the Financial Services Development in Chinese Commercial Banks

In recent years,with the rapid advancement of financial system reform in China,personal financial services are becoming the new direction and competitive focus for the development of banking business.After years of development,personal financial services in Chinese commercial banks have had certain achievement.However,there exists problem of lack of mechanism,process and back-office support system in its development as well as the problem of lack of a large amount of financial talents with high quality.This paper puts forward countermeasures in developing the financial services in Chinese commercial banks.