| 中国银行业的个人金融服务 |
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| 引用本文： | 曹卉宇.中国银行业的个人金融服务[J].技术经济,2006,25(8):66-69. |
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| 作者姓名： | 曹卉宇 |
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| 作者单位： | 东南大学,经济管理学院,南京,210096 |
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| 摘 要： | 本文对我国商业银行开展个人金融服务的历程进行了一个回顾，剖析了个人金融服务的概念，总结了个人金融产品的特点为：无形性、非标准化、生产与消费同时进行以及易逝性。中国银行业的个人金融服务存在环境的缺憾和内部管理的缺憾，必须借助外部动力、内部动力以及依靠客户策略和产品策略来加快个人金融服务。
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| 关 键 词： | 银行业 个人金融服务 金融产品 |
| 文章编号： | 1002-980X(2006)08-0066-04 |
| 收稿时间： | 04 1 2006 12:00AM |
| 修稿时间： | 2006年4月1日 |
Personal Financial Service of China Banking |
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| CAO Hui-yu.Personal Financial Service of China Banking[J].Technology Economics,2006,25(8):66-69. |
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| Authors: | CAO Hui-yu |
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| Institution: | Economies and Management School of Southeast University, Nanjing 210096, China |
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| Abstract: | The process of personal finance service supplied by China commercial banking is reviewed in the article. The concept of personal finance service is introduced. The characteristic of personal finance service is immateriality, un - standardization, simultaneity of production and consumption and easy-elapse. There are shortcomings including circumstance and inner management. Commercial banks have to expedite personal finance service in virtue of exterior power and inner power. They should strengthen the customer policy and product policy. |
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| Keywords: | Commercial Banking Personal Financial Services Financial Product |
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