美国个人理财服务及对我国的启示

个人理财行为是社会经济发展到一定阶段的产物,个人理财需求的出现促进了个人理财服务市场的产生。我国应借鉴美国个人理财服务发展的经验,培育和开拓国内个人理财服务市场,可从以下方面入手:开展国民理财教育,改变我国居民过于保守的理财观念;完善风险控制机制,加强监管;突破经营分业困境,创新理财产品;培养专业人才、构建良好服务体系等。

American personal financing service and its inspiration to China

Personal financial behavior comes into being when social economy develops into a certain stage and the emergence of personal financial needs urges the appearance of the personal financial service market.Drawing experiences from the development of personal financial services in the USA,China should explore and develop a domestic market of personal financial services.Basing on the social characteristics of china,what we can do is as follows: develop civil financial education; change people's conservative financial concept; improve the risk-controlling mechanism; strengthen the supervising system; get away from the predicament of respective management; renew financial products; cultivate professional talented person; establish healthy service system and so on.