中小商业银行个人金融业务发展研究.pdfVIP

要 我国加入WTO 之后，要求对外要开放金融市场，取消外资金融机构经营人民 币业务的限制，保证国内外金融平等竞争，中国银行业正面临着巨大的机遇和挑 战。对于中小商业银行而言，在网点数量和传统业务关系方面无法与国有商业银 行竞争，在产品种类、业务渠道、品牌形象方面无法与外资银行抗衡，要在激烈 的竞争中求得生存，必须建立自己的优势，发展自己的特色。本文所研究的个人 金融领域是当前金融监管的逐步放松、网络信息技术广泛应用的形势下，我国金 融创新最活跃的领域之一，个人金融业务的广阔发展前景已经得到业界人士的共 识。本文研究和分析的就是我国中小商业银行在个人金融领域中如何借鉴国外商 业银行的成功经验，利用正确的市场定位、创新的金融产品、新兴的业务渠道、 灵活多变的机制 制来发展和生存。本文从发展个人金融业务的必要性着手，分 析了当前我国中小商业银行个人金融业务的现状和存在的问题，通过研究存在的 问题提出了个人金融产品、渠道、组织架构三个方面的正确发展取向，并研究了 相关金融政策，提出了建议。本研究是根据本人所在银行个人金融业务发展的状 况，并考察了其他商业银行的经营情况，结合本人的分析理解所得出的。本研究 旨在对我国中小商业银行个人金融业务的发展起到一定的借鉴作用。 关键词：中小商业银行 个人金融业务 产品 渠道 1 Abstract With the entry of WTO, further opening of the financial market and fair competition between domestic and foreign banks due to the future deregulation of the restrictions of RMB business of foreign banks, the domestic banks are facing a severe challenge and also opportunity. It is especially true to the small and medium domestic banks since they are in a disadvantageous position in comparison with the large state-run banks with regard to service outlets and traditional business, and have no advantages against foreign banks in terms of a variety of products, business channel and brand. In order to survive in the fierce competition, they must establish their own advantages and specialty. This paper makes research on the personal banking sector, which is the most active field for financial innovation after the further deregulation and wide application of IT. The prospective development has been fully acknowledged by the whole financial industry. This paper makes research and analysis of how domestic commercial banks can learn from foreign banks successful experience; make full use of their market position, innovative products, new b