发布时间 : 星期一 文章我国商业银行个人理财业务发展研究更新完毕开始阅读
restructuring of financial institutions need to develop a variety of driving force.
Wealth increased rapidly as the financial services of enormous space for development. With the sustained and stable growth, and the reform of income allocation system, dweller income rises ceaselessly, personal wealth accumulation. The most prominent manifestation is, savings deposits of residents from the reform and opening up $about 20000000000 to start climbing, to12 at the end of 2006already exceeded16 yuan, an average annual growth of more than 20%. Such a huge savings market for personal financial business development to provide vast space. According to the central bank issued in 2006 fourth quarters of urban depositors nationwide survey, households with financial assets structure changes, the fund became household savings and foreign except has the largest financial assets. In how to spend, choose to \number of\jumped to the highest. Investigation shows, our country the financial needs of the residents increased rapidly.
Dweller income differentiation, enrich the connotation of personal financial business. In the wealth of residents overall rise at the same time, the income differentiation in promoting the rich and middle class gradually rise. Rich people according to Merrill Lynch group definition, is one that has millions of dollars in financial assets, the company released the\Global Wealth Report\shows that in 2005China 's millionaire population is about 320000, compared with last year rose more than 6%, for a total of 1.59trillion of wealth. The middle class in accordance with the average annual household income of $10000, and has $40000 in assets standards, to estimate the class more than20000000 families, this part of the crowd had accumulated nearly one trillion dollars of wealth. The rich and middle class relative to the general public financial services needs are very different. The general preventive motivation and demand for liquidity strong, focusing on simple access to services; and the rich and middle class investment motivation and value-added demand strong tendency, wealth management and other aspects of the products and services, such as the bank according to the customer needs to provide personalized, diversity of personal financial services to create the objective condition.
The fast development of the capital market to commercial banks in financial
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business area to find a new source of profit. In the nineteen eighties began, developed directly the fast development of financial market, fund supply and demand both sides no longer focused on financial intermediary and directly on the bond and stock market for financing, commercial banks on deposit interest survival models are a great impact. Financial\forced commercial banks to seek for the new profit pattern, and other financial institutions through competition, to develop non-interest income business to seek a breakthrough, these include account management, trust services, financial transactions, asset securitization, investment banks, insurance and fund etc.. At present, foreign banks in the United States revenue structure, commercial bank's non-interest revenue basically stable at around 43%, the European Banking non-interest income in1998operating income proportion has reached41%,2005non interest income average proportion further rises to 54.6%. Rapid development of China s capital markets will also is our country commercial bank development challenges, profits from the overseas commercial bank experience, improve the income structure, reduce the risk of loans, also need to develop the personal financial management business.
In two, China's banking financial business development path choice
Personal financial services is a kind of comprehensive financial service, often need to concentrate a large number of different financial services products, such as retail banking, mortgage loan, check, insurance companies of various insurance products, the trust company trust products, retail brokerage business, and investment management consulting, tax planning and other business. On the Commercial Bank of our country, despite having outlets, humane, customers, capital and other advantages, but in the high-end customer management business strategy, product, still exist, talent, innovation and other aspects of the larger gap. China's banks to develop the personal financial management business, needs according to their own conditions, to formulate appropriate development path.
Developing practical personal financial business development strategy and business system. Commercial banks should take the development of personal financial business as the focus of business development, in all respects to give policy to tilt, take active and effective measures to develop the personal financial
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management business, it is to vigorously develop the personal financial management business premise and the important guarantee. Secondly, a commercial bank shall establish high-tech financial service system. In the service channels, financial transactions, products and services, the backstage account, customer relationship management and many other aspects to strengthen the application of information technology, high-tech means to reduce the operation cost, high-tech means to meet customer demand for multi-level, high-tech means to enhance the risk management ability, get rid of dependence of physical network and the increase in the number of personnel to the traditional development of financial business mode.
Develop to adapt to market changes, customer development strategy. In the competitive market, no customer no business, to win new customers, retain old customers strategy is very important. With the general banking business, financial business emphasize differences and individual, individual customer service cost is higher, so the products and services must be set the threshold requirements, in order to realize cost and income balance. Such as Merrill Lynch to private banking clients standard minimum requirement is 1000000dollars in financial assets, J.P. Morgan and Goldman requirement is 5000000dollars, Citibank and HSBC Bank ( Asia) is $3000000. For China's banks, the need for financial service characteristic, find suitable, to adapt to market changes, customer development strategy.
Design to meet customer demand for comprehensive financial services products. At present the domestic banking financial services are usually sell to customers a variety of standard financial products, also can according to the needs of individual customers to provide targeted financial plan. Along with our country the ceaseless development of high-end customers, customers personalized service the requirements of increasingly high. The bank must subdivide the market and the customers, a comprehensive understanding of customer demand for personalized, for each customer's specific situation in-depth analysis, according to the customer's risk preference, age, the purpose of investment and the amount of size, designed to meet the needs of customers service plan, actively to clients wealth management, raise capital to use benefit, realize customer money the value of.
Training to provide comprehensive financial services professional financial personnel. Customer demand for financial service with personalized, comprehensive
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characteristics, therefore, the bank customer manager must be proficient in banking, finance, tax and estate planning, legal and accounting field of composite type expert personnel, and has rich experience. For example, the British bank Barclays private bank customer manager.\With more than 15 years of experience, experienced economic cycle\financial service professionals, equipped with certification, through the relevant personal financial center and a corresponding background support, to ensure the financial service quality.
To increase the pace of financial innovation. At present, in the market fashionable Chinese banks financial products are mostly from foreign banks\and to \In addition, in the more complex structured products, Chinese-funded banks have also mostly adopts this approach: the Chinese-funded commercial banks and foreign banks to issue financial products, signed a cooperation agreement, will raise funds to hand over by the foreign capital bank operating profit. At present, the French Paris bank, Societe Generale Bank, Deutsche Bank, and JP Morgan chase bank is a bank as their customers, to sell the bulk of foreign exchange financial products. This approach is the consequence of, while Chinese banks can get about 1 percentage points of return, however, the banks usually can get4 points profit. Therefore, if there is no strong financial innovation, our bank will defeat in competition. Actively carry out the financial innovation, we need not only the modeling, design, appearance and other aspects of the patent of invention, more needs in product design, services, increase strength, to apply for a patent.
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