中国城市商业银行的理财定位及现实选择

面对国内外银行理财业务的冲击，中国城市商业银行必须做出自己的理财抉择。根据目前我国城市商业银行的现状，中国城市商业银行的金融理财业务的市场定位应为中小企业客户作理财服务；发展初期的理财产品以代理他人产品或与人联合开发为主，实行发散式营销；目的以强化客户关系为主，坚持保本微利的原则，客户群稳定和壮大后才能以理财为盈利手段；目前的关键是金融理财人才的培养。

Finance Position for China's Urban Commercial Banks and the Realistic Choices

Facing the assault of domestic and international banking finance transactions, China＇s urban commercial banks must make finance choice of their own. According to the status quo of China＇s city commercial banks, their finance market positioning should be serving for finance service for the small - and medium - sized finns; the finance products at the early stage of development should primarily be agent for other＇s products or co - products developed with others, realizing a decentralized marketing; the main purpose is to strengthen the customer relation, sticking to a principle of tiny profit, not until the customer clusters be stabilized and grandness can take finance as a profitable means; at present, the key is to foster talented persons of finance.