我国商业银行个人金融理财业务发展研究（Research on the development of personal financial management of commercial banks in China）.docVIP

我国商业银行个人金融理财业务发展研究（Research on the development of personal financial management of commercial banks in China） I. understanding of the development of personal financial services in China Personal financial business of commercial banks is to take the customer as the center, the use of modern management concepts, relying on high-tech means, to provide comprehensive, personal and family financial service integration, including deposits, loans, settlement, foreign exchange and investment banking business. It is a major component of the retail business of commercial banks. Among them, the personal finance is also known as private banking, private banking, personal financial services, family finance, family financial management, is a new banking business in 80s after the rise, first appeared in the United States, and has received rapid promotion in Europe and Japan, Hongkong and other economically developed countries and regions, has become a major business bank in the world. Personal financial management business is a new thing in china. Although there are many individuals under the banner of financial management, institutions, but most of the clients on behalf of operating related financial products, such as futures, stocks and so on, what is more, it is a pure liar. With the progress of society and life and the increase of income of ordinary people, the demand for financial management will gradually emerge. Therefore, the correct understanding of personal financial management is urgent and urgent. (I) time value of money is the main axis of financial management The realization of financial goals is based on the current situation of the family assets of the clients and the effective combination of financial products, while the main basis of the financial product portfolio comes from the theory of money time value. The understanding of the time value of money is something that each of our financial planners should know and know well. We give a very simple example to illus