银行个人理财战略中英文对照外文翻译文献

银行个人理财战略中英文对照外文翻译文献PAGEPAGE1银行个人理财战略中英文对照外文翻译文献(文档含英文原文和中文翻译)银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第1页。银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第1页。原文:TheDevelopmentStatusandStrategyResearchofCommercialBanks’PersonalFinancialManagementBusinessinChinaAbstract:Thepersonalfinancialmanagementbusinessinourcountryisintheinitialstage，comparedtothedevelopedoneinwestern，there’sstillalongwaytogo，Therefore，thecommercialbanksinchinaneedtoreviewandstudytoestimatemarketdirection；buildexcellencebrandimageandspecialservices；Increaseofinnovation；changetheproductsfromsingletocomprehensive；Establishandperfectfinancialmanagementbusiness’managementsysteminordertopromotethedevelopmentofpersonalfinancialbusinessinourmanagementcountry．Keywords：Commercialbanks，Personalfinancialmanagement，Strategy1Introduction银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第2页。Thecommercialbanksarefacingthenewsituation：theincreasingdangerintraditionalbusiness．themarginoftheinterestrate’sturningincreasinglynarrowedandforeignbank’scompetition．Thesebanksshouldthinkdeeplytofindwhythatbusinessdevelopsoslowlyandthenputforwardafeasibleplan．ThepersonalfinancialmanagementbusinessisnotonlyanimportantcarrierforcommercialbankstoadvanceComprehensivemanagementstrategybutalsoamajorwayofimprovingIntermediarybusinessincome．Thatbusinessinourcountryisintheinitialstage．comparedtothedevelopedoneinwestern，there’sstillalongwaytogo．Therefore．thecommercialbanksinchinaneedtoreviewandstudytoestimatemarketdirection；buildexcellencebrandimageandspecialservices；Increaseofinnovation；changetheproductsfromsingletocomprehensive；Establishandperfectfinancialmanagementbusiness’managementsysteminordertopromotethedevelopmentofpersonalfinancialmanagementbusinessinourcountry．Meanwhile．thecommercialbanksarefacingthenewsituation：theincreasingdangerintraditionalbusiness．themarginoftheinterestrate’sturningincreasinglynarrowedandforeignbank’scompetition．Thesebanksshouldthinkdeeplytofendwhythatbus；messdevelopsoslowlyandthenputforwardafeasibleplan．Amongallthebusinessesincommercialbanks．personalfinancialmanagementbusinesshastheadvantagesofhugemarketcapacity，lowrisk，widerangeofbusiness，andstableincome．Forthoseadvantagesthepersonalfinancialmanagementbusinessbecomescommercialbanks’mainbusinessandvitalprofitssource．Inwesterndevelopedcountry，thiskindofbusinessalmostgetsintoeveryfamily．Itsbusinessincomehasbeenaccountforbank’s30％．Comparedtothedevelopedoneinwestern．there’sstillalongwaytogobutithasabrightmarketexpectation．However，ourcountry’spersonalfinancialmanagementbusinessislimitedbysomefactors，forinstance，thefinanciallegalsystem，financialsupervisionsystemandthedevelopmentoffinancialmarket．Asaresult．itbringssomeproblemsthatneedtobedonewhiledevelopingrapidly．银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第2页。2TheDevelopmentSituation，TraitandExistingProblemofIndividualManageMattersOperationinCommercialBankofChina2.1ThedevelopmentsituationofindividualmoneymattersoperationincommercialbankofChina银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第3页。Managemoneymattersoperationreferstocommercialbankusesprofessionaladvantageslikevariouskindsoffinancialknowledge，professionaltechniqueandwidefundcredibilityandaccordingtoclients’financialpositionandinvestmentrequirement，provideclientswithprofessionalserviceactivities，suchasfinancialanalysis．financialplanning，investmentcounselorandassetsmanagement．Recently，asthefastdevelopingeconomyofchinaandtheaccumulatingpropertyofcitizens，theneedofmanagemoneymattersoperationbecomesstrongerandstronger．Thereareseveralreasons：firstofall，whenpeople’spropertiesaccumulatetosomedegree，theyconcernmoreabouthowtoeffectivelykeepandincreasethevalueoftheirproperties．Second，asthepushingonhousing，educationandmedicaltreatmentmarketingrevolutionproceeding，familiesneedthehelpoffinancialmechanismservicetocreateacompleterisksafeguardmechanism．Ontheotherhand，wehavealreadybeeninagingstage，thusithasbecomemanypeople’srealneedtoaccumulatepartoftheirpensionthroughmanagemoneymatters．Underthecircumstances．individualmoneymattersoperationofcommercialbankdevelopsquickly．Butaccordingtoindividualmoneymattersoperationsituationofeverycommercialbank．therearestillmanyproblemsthatmakeithardtodevelopindividualmoneymattersoperation．银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第3页。2.2ThetraitofindividualmoneymattersoperationincommercialbankofChinaAstheindividualmoneymattersoperationofcommercialbankhasjuststarted，financialmechanismandlawsandregulationssystemsarespecial，socomparedtowesterndevelopedcountries，wehaveourowntraits．Fiduciaryloanproductbecomesthe1eaderofmanagemoneymattersmarketRecently，investpeoplepaymoreattentiontotherisksituationofproductwhentheychoosemanagemoneymattersproduct．Atthesametime，becausetheCBRC(chinabankingregulatorycommission)addsitsstrengthtomanagemoneymattersoperationincommercialbank，thebreedstructureofmanagemoneymattersproductchangedalotingeneral．Since2009，fiduciaryloanproductincreasedlargelyandbecometheleaderinallkindsofbankingmanagemoneymattersproductforitsclearinvestment,simplestructure，variousdeadline，stableincome．Publicbeneficialandcreativeproductisthevalueofmanagemoneymattersproductafoot.Duringthewenchuanearthquakein2008，somebanksgivequicklyreflecttothecalamityandpushoutpublicbeneficialandcreativemanagemoneymattersproduct．Thiskindofmanagemoneymattersproductwasthemedasbenevolentandcares，whichgreatlywidenthedevelopingthoughtofbankingmanagemoneymattersoperationandvalidlypromotebrandvalueandsocialimageofthebank．3TheReasonsWhyWeHaveProblemsinPersonalFinancialBusinessinOurNationalCommercialBanks银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第4页。Thereasonwhywehavesomanyproblemsinpersonalfinancialbusinessinournationalcommercialbanksisnotjustbecauseofonesingleelement，butbecauseofmanyaspects．Thereasonthatwestilltakeseparateoperationinpractice.Thepoliciesandregulations．ideaofsupervisionandmeasuresinChinastillnotkeeppacewiththedevelopmentofera；westillrelyonseparateoperationandseparatemanagementtokeepwatchingtothefinancialrisk．Butthiskindofoperationmodeincreasesthecostofprocessingpersonalfinancialbusinessincommercialbanks．anditishardtomakegoodresults．Thereasonwhyalltheproductshavethesamequality.银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第4页。Asitislimitedbytheidea，theanalysisofpersonalfinancebusinessfromourcommercialbanksarenottotallycorrect，therestillexistssomedeficienciestotheresearchofclients，asaresult．nearlyallthefinancialproductsarethesame．Thereasonwhywehaveashortageofhigh—qualityfinancialmanagerThecapabilityoftrainingfinancemanagersinourcountryisstillundevelopedandthementalityrelativelyfallsbehindwithdevelopingcountries，somostofexcellentmanagerschoosetoenterforeignbanks,anditwillbereasonablethatthemanagerscouldn’treachtherequirementsinnationalcommercialbanks．Thereasonwhywearelackoftheconsciousnessoffinancialmanagement.Aswearedevelopingoureconomyinrecentyears,itresultsinalackoffinancialcultureandfinancialconsciousness．Firstly,peoplejusthavesomeeggmoney；theycanhardlyadjusttothelifestylewhichaddsthefinancemanagementintoit．Secondly,theinfluenceoftraditionalconceptandshortageofunderstandingthepersonalfinancialbusinessinbanksresultinthelackoffinancialconsciousnessandthedeficiencyofsenseofidentityandsafety．ThereasonwhywearelakeofcultivationOurnationalcommercialbanksarelimitedbysystem,thinking,techniqueandobjectiveenvironmentandsomeinfluencessothatournationalcommercialbanks’scultivationstagnates,insomehigh—profitedarea，wecouldn’tkeepthepace．Andifwedon’tsolvetheproblemoflackofcultivation，itishardforustocompletewithforeignbanks．4TheQuestionsExitinIndividualManagingFinancialServicesinCommercialBankofChina银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第5页。Agoodfinancialplannershouldknoweverythingaboutaproductandhaveagoodknowledgeofsecurity,bank，insurance。laws。revenue，financeetc．Hemustbeexperiencedandgoodatcommunicationandorganizing．ButtheshortageofgoodfinancialplannersinChinaleadstotheirregularsellingofcommercialbanks’individualmanagingfinancialservices．RestrictedbyfinancialdemandandcustomNowadaysinChina,individualfinancialdemandisquitesmall．Therearemanyreasons．Firstly,itisunevendistributionofwealth，sotherefewpeoplereallyneedfinancing．SecondlyChinesearealwayslackofinvestmentandfinancialsenses．Thirdlyit'sChina’straditionthattheydon’tneedtohandtheirpropertytoothersforfinancingandthecommonopinionisnotletpeopleknowhowmuchmoneyhehas．Atlast，Chinesedon’tknowthemeaningandprocessoftheservices，anddon’tidentifytheindividualmanagingfinancialservices．Innovationdeficiency．Forquitesometime．commercialbanks’financialinnovationconsciousnessandcapabilityisnotstrong，levelislow,rangeisnarrowerandscientificandtechnologicalcontentofproductsislow．Usingtheeffecttobebad，especiallythatbusinessinnovationisbadlybackward，whichistheleadingcauseofindividualwealthmanagementproductshomogeneitylarge．银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第5页。5ThePersonalFinancialServicesforBankofChinaYantaiBranch(BCYB)CameintoPractice银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第6页。Toconnectthetheorywiththepresentsituationindevelopmentoftheservices．ThepersonalfinancialservicesforBankofChinaYantaiBranchhasbeenstudied．AndthesurveyshowedsomeadvantagesthatcanbelearnedinthespreadoftheservicesforBCYB．BCYB’Svalueisfocusedoncustomersrequirementandtheprotectionforcostumerbenefit．Andthefinancialmanagementsystemhasbeenconsummated．Tillnow．afinancialcenter,16managementcenterand80officeshavebeenbuilt，includingallkindsofshoppeswhichisspreadduringdiffidentmanagingdepartments．Thefinancialcrisiswarnedthewholeworldin2009．However,BCYBtookadvantagesofthisopportunityanddisseminatedtheimportanceofthepersonalfinancialmanagementandtheriskescaping．Thisactionbroadenedthefieldofcostumersanddevelopedthepotentialcostumers．Furthermore，BOCGroupismakingacomprehensiveplatformwhichincludesfinancing，securities．Insurancebondsetc．AndBCYB’SManagementmethodhasturnedfromsimplificationintodiversity．Thefinancingconsultantgrouphasbeenupdatedcontinuouslysince2005．Theseexperiencedbroadmindedprofessionalclientsprovidemanagementservicesforclientsfromthreeaspects，includingmarketing，financialservicesandproductinnovation．Meanwhile，takingtheuniqueadvantageofChinaBankindomesticforeignexchangearea，currencyfinancialbusinessrunbyBCYBcontinuestokeepanabsoluteleadingpositioninthewholeacityinoccupationandscale．BCYBmakesuseofoverseasbranchesnetofChinaBanktoprovideoverseasvalue-addedservices，forinstance，businesstravel，childrenStudyingabroadforclients．BCYBhasthedisadvantagesindeedandtheinnovationisinadequateandmetechnicalconditionsarerestricted．Inaddition，mostbusinessbankshavesufferedinpersonalfinancialmanagement．However,asoneofthefirst50nationalfinancialmanagementcenters．BCYBindividualfinancialserviceindeedhassomebrightpointstobelearned．银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第6页。6ConclusionItisnationalspecialfinanciallegalsystemtodecidethepersonalfinancialbusiness’particularityincommercialbanks．Withtherapiddevelopmentofoureconomyandregulations．thepersonalfinancialmanagementbusinessincreasinglyrevealsitsvalue．andcustomerdemandisgrowing．Thecommercialbanksinourcountryshouldperfectthemselvesintermsoftechnique．Staff,ideaandstrategyinordertomakesitselfbetheengineineconomyandmakecontributionstotheconstructionofsocialistmodernizationcountry．银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第7页。银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第7页。翻译:我国商业银行个人理财业务的战略研究与发展现状文摘:个人理财业务在我国正处于初期阶段，相对于西方发达国家,依然有很长的路要走。因此，我国商业银行需要努力开发和研究理财市场，建立卓越的品牌形象和特殊服务；增加创新；改变产品从单一组合向多功能组合转变;建立和完善财务管理业务体系，以促进发展个人金融业务在我们国家的发展。关键词:商业银行、个人理财、战略1介绍商业银行面临的新形势：随着外资银行的侵入，理财市场竞争激烈，不断增加的危险使传统行业利润率增长幅度将越来越狭窄，商业银行应深入思考，找到自己发展非常缓慢的原因,然后制定一个可行的理财计划。个人理财业务不仅是商业银行推进综合管理战略的一个重要载体，也是一个提高中间业务收入的主要方式。个人理财在我国处于初始阶段，较西方发达国家相比，仍然存在着很大的差距。银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第8页。因此，中国商业银行需要审查、研究和估计市场发展方向；打造卓越品牌形象和特殊服务；增加创新；改变产品从单一组合到多功能组合；建立和完善财务管理业务管理体系，以促进个人理财业务在我国商业银行的发展。面对新的形势：不断增长的危险；在传统业务中，保证金的利息率日益缩小；外资银行的竞争日益增加。商业银行应该思考如何在激烈的竞争中生存；找出发展的障碍，然后提出了一些切实可行的理财策略。在所有的商业银行中，个人理财业务具有巨大的市场容量、低风险、业务范围广泛、稳定的收入的特点。这些优势使的个人理财业务成为商业银行的主要业务和重要利润的来源。在西方发达国家，这类业务几乎进入每个家庭，其理财业务收入已占银行总收入的30%。较西方发达国家想照，我国商业银行理财业务有一个光明的市场前景。但是，我国的个人理财业务受到下列一些因素的限制，例如金融法律制度，金融监管制度，金融市场的发展等。最终，在发展快速的同时也需要解决一些问题。银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第8页。2中国工商银行理财发展现状、特点和存在的问题2.1中国工商银行个人理财发展情况银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第9页。中国工商银行理财运作过程中利用自身的专业优势，如各类金融知识，专业技术和资金信誉，根据客户的财务状况及投资需求，为客户提供专业服务活动，如财务分析与财务规划，投资顾问和资产管理等。近年来，随着经济的快速发展，越来越多的中国公民理财意识增强，理财需求变得越来越强烈。有以下几个原因：首先，当人们的财产积累到一定程度，他们更关注如何有效地保持和增加价值的性能。其次，为推进住房，教育和医疗营销变革，家庭需要金融机构的服务创造完善的风险保障机制。另一方面，我们已进入老龄化阶段，因此理财已成为很多人的实际需要，积累的养老金就是理财的一种情况。个人理财商业银行业务快速发展，但根据个人理财的运作情况，各商业银行还存在许多问题，使其难以发展个人理财操作。银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第9页。2.2中国工商银行个人理财性状的经营广告由于个人理财商业银行业务刚刚起步，金融机构的法律和规章，系统是特别的，所以相比于西方发达国家，我们有自己的特质，信托计划产品成为一位领导者的理财投资市场。最近，人们更加注重风险状况时，他们选择管理理财产品。同时，由于银监会（中国银行业监督管理委员会）增加了其强度理财商业银行经营的品种结构，理财产品改变了许多。自从2009，信用贷款产品大幅增加，成为领先的各类银行理财产品，以其清晰的投资，简单的结构，各种期限获取稳定的收入。2008年，公益和创造产品价值的理财产品在汶川地震期间，一些银行反映迅速，由于灾难和推出公益性和创造性的理财产品，这类理财产品是仁慈和关心，这大大拓宽发展思路银行理财操作，有效提升银行品牌价值和社会形象。3我国商业银行个人金融业务存在的问题银行个人理财战略中英文对照外文翻译文献全文共13页，当前为第10页。在我国商业银行个人金融业务中之所以存在这么多的问题，不仅是因为一个单一的元素，而是由于多方面的原因。我们必须看清运作实践，政策法规，监管理念和措施在中国还没有跟上时代的发展；我