銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)

銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)PAGEPAGE1銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)(文檔含英文原文和中文翻譯)銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第1頁。銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第1頁。原文:TheDevelopmentStatusandStrategyResearchofCommercialBanks’PersonalFinancialManagementBusinessinChinaAbstract:Thepersonalfinancialmanagementbusinessinourcountryisintheinitialstage，comparedtothedevelopedoneinwestern，there’sstillalongwaytogo，Therefore，thecommercialbanksinchinaneedtoreviewandstudytoestimatemarketdirection；buildexcellencebrandimageandspecialservices；Increaseofinnovation；changetheproductsfromsingletocomprehensive；Establishandperfectfinancialmanagementbusiness’managementsysteminordertopromotethedevelopmentofpersonalfinancialbusinessinourmanagementcountry．Keywords：Commercialbanks，Personalfinancialmanagement，Strategy1Introduction銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第2頁。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．銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第2頁。2TheDevelopmentSituation，TraitandExistingProblemofIndividualManageMattersOperationinCommercialBankofChina2.1ThedevelopmentsituationofindividualmoneymattersoperationincommercialbankofChina銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第3頁。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．銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第3頁。2.2ThetraitofindividualmoneymattersoperationincommercialbankofChinaAstheindividualmoneymattersoperationofcommercialbankhasjuststarted，financialmechanismandlawsandregulationssystemsarespecial，socomparedtowesterndevelopedcountries，wehaveourowntraits．Fiduciaryloanproductbecomesthe1eaderofmanagemoneymattersmarketRecently，investpeoplepaymoreattentiontotherisksituationofproductwhentheychoosemanagemoneymattersproduct．Atthesametime，becausetheCBRC(chinabankingregulatorycommission)addsitsstrengthtomanagemoneymattersoperationincommercialbank，thebreedstructureofmanagemoneymattersproductchangedalotingeneral．Since2009，fiduciaryloanproductincreasedlargelyandbecometheleaderinallkindsofbankingmanagemoneymattersproductforitsclearinvestment,simplestructure，variousdeadline，stableincome．Publicbeneficialandcreativeproductisthevalueofmanagemoneymattersproductafoot.Duringthewenchuanearthquakein2008，somebanksgivequicklyreflecttothecalamityandpushoutpublicbeneficialandcreativemanagemoneymattersproduct．Thiskindofmanagemoneymattersproductwasthemedasbenevolentandcares，whichgreatlywidenthedevelopingthoughtofbankingmanagemoneymattersoperationandvalidlypromotebrandvalueandsocialimageofthebank．3TheReasonsWhyWeHaveProblemsinPersonalFinancialBusinessinOurNationalCommercialBanks銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第4頁。Thereasonwhywehavesomanyproblemsinpersonalfinancialbusinessinournationalcommercialbanksisnotjustbecauseofonesingleelement，butbecauseofmanyaspects．Thereasonthatwestilltakeseparateoperationinpractice.Thepoliciesandregulations．ideaofsupervisionandmeasuresinChinastillnotkeeppacewiththedevelopmentofera；westillrelyonseparateoperationandseparatemanagementtokeepwatchingtothefinancialrisk．Butthiskindofoperationmodeincreasesthecostofprocessingpersonalfinancialbusinessincommercialbanks．a(chǎn)nditishardtomakegoodresults．Thereasonwhyalltheproductshavethesamequality.銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第4頁。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銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第5頁。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．銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第5頁。5ThePersonalFinancialServicesforBankofChinaYantaiBranch(BCYB)CameintoPractice銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第6頁。Toconnectthetheorywiththepresentsituationindevelopmentoftheservices．ThepersonalfinancialservicesforBankofChinaYantaiBranchhasbeenstudied．AndthesurveyshowedsomeadvantagesthatcanbelearnedinthespreadoftheservicesforBCYB．BCYB’Svalueisfocusedoncustomersrequirementandtheprotectionforcostumerbenefit．Andthefinancialmanagementsystemhasbeenconsummated．Tillnow．a(chǎn)financialcenter,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．銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第6頁。6ConclusionItisnationalspecialfinanciallegalsystemtodecidethepersonalfinancialbusiness’particularityincommercialbanks．Withtherapiddevelopmentofoureconomyandregulations．thepersonalfinancialmanagementbusinessincreasinglyrevealsitsvalue．a(chǎn)ndcustomerdemandisgrowing．Thecommercialbanksinourcountryshouldperfectthemselvesintermsoftechnique．Staff,ideaandstrategyinordertomakesitselfbetheengineineconomyandmakecontributionstotheconstructionofsocialistmodernizationcountry．銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第7頁。銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第7頁。翻譯:我國商業(yè)銀行個人理財業(yè)務(wù)的戰(zhàn)略研究與發(fā)展現(xiàn)狀文摘:個人理財業(yè)務(wù)在我國正處于初期階段，相對于西方發(fā)達(dá)國家,依然有很長的路要走。因此，我國商業(yè)銀行需要努力開發(fā)和研究理財市場，建立卓越的品牌形象和特殊服務(wù)；增加創(chuàng)新；改變產(chǎn)品從單一組合向多功能組合轉(zhuǎn)變;建立和完善財務(wù)管理業(yè)務(wù)體系，以促進(jìn)發(fā)展個人金融業(yè)務(wù)在我們國家的發(fā)展。關(guān)鍵詞:商業(yè)銀行、個人理財、戰(zhàn)略1介紹商業(yè)銀行面臨的新形勢：隨著外資銀行的侵入，理財市場競爭激烈，不斷增加的危險使傳統(tǒng)行業(yè)利潤率增長幅度將越來越狹窄，商業(yè)銀行應(yīng)深入思考，找到自己發(fā)展非常緩慢的原因,然后制定一個可行的理財計劃。個人理財業(yè)務(wù)不僅是商業(yè)銀行推進(jìn)綜合管理戰(zhàn)略的一個重要載體，也是一個提高中間業(yè)務(wù)收入的主要方式。個人理財在我國處于初始階段，較西方發(fā)達(dá)國家相比，仍然存在著很大的差距。銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第8頁。因此，中國商業(yè)銀行需要審查、研究和估計市場發(fā)展方向；打造卓越品牌形象和特殊服務(wù)；增加創(chuàng)新；改變產(chǎn)品從單一組合到多功能組合；建立和完善財務(wù)管理業(yè)務(wù)管理體系，以促進(jìn)個人理財業(yè)務(wù)在我國商業(yè)銀行的發(fā)展。面對新的形勢：不斷增長的危險；在傳統(tǒng)業(yè)務(wù)中，保證金的利息率日益縮小；外資銀行的競爭日益增加。商業(yè)銀行應(yīng)該思考如何在激烈的競爭中生存；找出發(fā)展的障礙，然后提出了一些切實可行的理財策略。在所有的商業(yè)銀行中，個人理財業(yè)務(wù)具有巨大的市場容量、低風(fēng)險、業(yè)務(wù)范圍廣泛、穩(wěn)定的收入的特點。這些優(yōu)勢使的個人理財業(yè)務(wù)成為商業(yè)銀行的主要業(yè)務(wù)和重要利潤的來源。在西方發(fā)達(dá)國家，這類業(yè)務(wù)幾乎進(jìn)入每個家庭，其理財業(yè)務(wù)收入已占銀行總收入的30%。較西方發(fā)達(dá)國家想照，我國商業(yè)銀行理財業(yè)務(wù)有一個光明的市場前景。但是，我國的個人理財業(yè)務(wù)受到下列一些因素的限制，例如金融法律制度，金融監(jiān)管制度，金融市場的發(fā)展等。最終，在發(fā)展快速的同時也需要解決一些問題。銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第8頁。2中國工商銀行理財發(fā)展現(xiàn)狀、特點和存在的問題2.1中國工商銀行個人理財發(fā)展情況銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第9頁。中國工商銀行理財運作過程中利用自身的專業(yè)優(yōu)勢，如各類金融知識，專業(yè)技術(shù)和資金信譽，根據(jù)客戶的財務(wù)狀況及投資需求，為客戶提供專業(yè)服務(wù)活動，如財務(wù)分析與財務(wù)規(guī)劃，投資顧問和資產(chǎn)管理等。近年來，隨著經(jīng)濟(jì)的快速發(fā)展，越來越多的中國公民理財意識增強，理財需求變得越來越強烈。有以下幾個原因：首先，當(dāng)人們的財產(chǎn)積累到一定程度，他們更關(guān)注如何有效地保持和增加價值的性能。其次，為推進(jìn)住房，教育和醫(yī)療營銷變革，家庭需要金融機構(gòu)的服務(wù)創(chuàng)造完善的風(fēng)險保障機制。另一方面，我們已進(jìn)入老齡化階段，因此理財已成為很多人的實際需要，積累的養(yǎng)老金就是理財?shù)囊环N情況。個人理財商業(yè)銀行業(yè)務(wù)快速發(fā)展，但根據(jù)個人理財?shù)倪\作情況，各商業(yè)銀行還存在許多問題，使其難以發(fā)展個人理財操作。銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第9頁。2.2中國工商銀行個人理財性狀的經(jīng)營廣告由于個人理財商業(yè)銀行業(yè)務(wù)剛剛起步，金融機構(gòu)的法律和規(guī)章，系統(tǒng)是特別的，所以相比于西方發(fā)達(dá)國家，我們有自己的特質(zhì)，信托計劃產(chǎn)品成為一位領(lǐng)導(dǎo)者的理財投資市場。最近，人們更加注重風(fēng)險狀況時，他們選擇管理理財產(chǎn)品。同時，由于銀監(jiān)會（中國銀行業(yè)監(jiān)督管理委員會）增加了其強度理財商業(yè)銀行經(jīng)營的品種結(jié)構(gòu)，理財產(chǎn)品改變了許多。自從2009，信用貸款產(chǎn)品大幅增加，成為領(lǐng)先的各類銀行理財產(chǎn)品，以其清晰的投資，簡單的結(jié)構(gòu)，各種期限獲取穩(wěn)定的收入。2008年，公益和創(chuàng)造產(chǎn)品價值的理財產(chǎn)品在汶川地震期間，一些銀行反映迅速，由于災(zāi)難和推出公益性和創(chuàng)造性的理財產(chǎn)品，這類理財產(chǎn)品是仁慈和關(guān)心，這大大拓寬發(fā)展思路銀行理財操作，有效提升銀行品牌價值和社會形象。3我國商業(yè)銀行個人金融業(yè)務(wù)存在的問題銀行個人理財戰(zhàn)略中英文對照外文翻譯文獻(xiàn)全文共13頁，當(dāng)前為第10頁。在我國商業(yè)銀行個人金融業(yè)務(wù)中之所以存在這么多的問題，不僅是因為一個單一的元素，而是由于多方面的原因。我們必須看清運作實踐，政策法規(guī)，監(jiān)管理念和措施在中國還沒有跟上時代的發(fā)展；我