浅析中国工商银行的个人理财业务美国商业银行发展战略的启示经济学学士.docxVIP

中文摘要 随着我国经济的持续增长，人民生活水平和收入逐年提高，可供个人支配的财产份额 逐年增加，个人理财业务快速发展起來。冃前，个人理财业务已成为我国银行适应市场需 要的一项基本业务，也是未来银行竞争的重要利润增长点。本文通过分析屮国工商银行发 展个人理财业务存在的问题，结合美国商业银行个人理财业务发展战略的启示，旨在为屮 国工商银行发展个人理财业务提出相应的对策及建议。 关键词：中国工商银行，个人理财业务，美国经验，启示 Abstract Along with the growth of our country^ s economy, the People s living standard and the income is increasing year by year. And the share of individual controlling property went up steadily. So, the Personal Financial Service (PFS) has developed rapidly. In recent years, the PFS has become one of the basic businesses of ICBC that meet the needs of the market, it will be also th