中外资商业银行个人理财业务竞争力比较分析（Comparative analysis of the competitiveness of personal financial services between Chinese and foreign commercial banks）.doc

中外资商业银行个人理财业务竞争力比较分析（Comparative analysis of the competitiveness of personal financial services between Chinese and foreign commercial banks） Comparative analysis of the competitiveness of personal financial services between Chinese and foreign commercial banks Abstract: with the development of Chinas commercial banks personal financial services market and the degree of opening to the outside world, the competition of personal financial services between Chinese and foreign commercial banks is becoming increasingly fierce. This article from the four elements to measure the competitiveness of the perspective of the personal financial business of foreign commercial banks in the comparative analysis of competitiveness, analysis of the causes of the personal financial business competitiveness of Chinese banks, and puts forward the macro environment should improve the development of personal financial business of commercial banks, commercial banks should improve the internal mechanism of personal financial business development advice. I. Introduction Personal financial services are also known as private financial services or personal financial services. Although many experts and scholars at home and abroad have given the definition of personal financial services, but so far, there is no more standardized definition. The author believes that the personal financial business of commercial banks refers to commercial banks according to the clients financial situation, combined with customer demand for investment, risk preference, and life goals such personal factors play in the capital, technology, information, talent, channels and other advantages, provide financial analysis and planning, investment advice and other professional services to the customer, and accept the authorization of customers, and investment and asset management business activities in accordance with the prior agreement with the customers investment plans and methods. It is a combination of targeted financ