浅析商业银行个人理财业务发展思路.pdfVIP

产、B S T R 了、C 丁 A B S T R A C T Wi th the adv anc em ent o f the P ro eess o f C h in 澎5 aeeession to W T O ，aeeord in g to the P ro m ise in the D eeem b er 1 1，2 0 0 6 ，fin an eial serv iees in C hin a wt ll b e 盯adu a lly op en to foreign b an k s，eom p etition o f p erson al fin an ee p lann in g b u sin ess hasenteredanew era ·SUVr ey sh0W s妙 uP 0‘2008，the o‘a‘lSavingSdep0SitSof C hin e se resid eltls h av e ex eeed ed 2 0 tri llion an d the n u 刀nb er o f a ecou n ts in S h an gh ai an d S h enZ h en sto ck m ark et am ou n ted to 150 m illio n ，W h leh lead to a stron g d em an d for P erso n a l fin an c ia lP lamx in g serv iee s. A fter sev era l d eead es o f d ev eloP m ent，P erson a l F in an eia l P lann in g S erv iees in foreign eou n tries h as form ed a re lativ e ly m al刀re sy stem ，for its ad v an tag es o f h igh 一yield，low risk and 诚 de sPread ，it has becom e an sign i丘cant Part of the b an k in g b u sin e ss in d ev eloP m ent eou n trie s rap id ly. S tatistics sh o w s th at o v er th e P a st few y ears，the rev en u e o f P erso n a l 五n an e ia l.P lann in g serv iee s in som e d ev e lo P m ent eou n trie s to o k uP m o re than 3 0 % . H o w ev er，to d om estic eo mm ere ia l b an k s，P erso n a l fin an c ia lP lann ln g b u sin e ss 15 still a n ew b u sin ess，there are to o m u eh to h an d le . O n on e h an d ，foreign b ank s’ enterin g into th e 坦ark et s妙 eeze the m ark et sh are ，b ut it also b rin g s adv an ced co n eeP ts an d teehn o lo g ie s.N ow w h at w e n eed to d o 15 le确 from