论我国商业银行个人金融业务的发展.docxVIP

论我国商业银行个人金融业务的发展 摘要 近年来我国市场化经济不断推进，居民金融意识也有了显著的的提高。商业银行个人金融业务有了很大的发展机遇。 但我国个人金融业务还处于探索阶段，个人金融业务的发展和服务水平远远达不到市场所需要的高度。本文从商业银行个人金融业务的业务规模不断扩张和业务种类出现多层次发展的现状出发，针对个人金融业务存在的业务种类选择性低、专业理财人员匮乏、服务机制不健全，客户服务薄弱、市场细分不到位, 经营模式有弊端等问题。并结合国外花旗银行和汇丰银行发展状况和管理机制给出的启示，提出了丰富业务产品，优化产品结构、建立完备的人才培养机制、提高服务意识，优化服务机制、改善经营模式的发展建议。 关键词：商业银行 个人金融业务 服务机制 人才培养机制 客户服务 市场细分 On the Development of Personal Financial Business of Commercial Banks in China abstract In recent years, Chinas market economy has been continuously promoted, and residents financial awareness has also been significantly improved. Commercial banks personal financial services have great opportunities for development. However, Chinas personal financial business is still in the exploration stage, and the development and service level of personal financial business is far from the height required by the market. This paper starts from the current expansion of the business scale of commercial banks personal financial business and the multi-level development of business types. The types of business that exist for personal financial business are low in selectivity, lack of professional financial management personnel, inadequate service mechanism, weak customer service, and market. Subdivision is not in place, business model has drawbacks and other issues. Combined with the enlightenment from the development status and management mechanism of foreign Citibank and HSBC, the paper puts forward suggestions for enriching business products, optimizing product structure, establishing a complete talent training mechanism, improving service awareness, optimizing service mechanism and improving business model. Key words:Commercial bank；personal financial business；service mechanism；talent training mechanism；Customer service；market segmentation 目 录 TOC 1引言 1 2我国商业银行个人金融业务发展现状 2 2.1 业务规模不断扩张 2 2.2 业务的种类出现多层次发展 4 3我国商业银行个人金融业务发展问题分析 6 3.1 业务种类选择性低 6 3.2 专业理财人员匮乏 6 3.3 服务机制不健全，客户服务薄弱 7 3.4市场细分不到位, 经营模式有弊端 7 4国外商业银行个人金融业务的启示 9 4.1 国外商业