外文中英文翻译我国商业银行个人理财业务的战略研究与发展现状.doc

外文翻译--我国商业银行个人理财业务的战略研究与发展现状 The Development Status and Strategy Research of Commercial Banks’Personal Financial Management Business in China 1 Introduction The commercial banks are facing the new situation：the increasing danger in traditional business．the margin of the interest rate’s turning increasingly narrowed and foreign bank’s competition．These banks should think deeply to find why that business develop so slowly and then put forward a feasible plan． The personal financial management business is not only an important carrier for commercial banks to advance Comprehensive management strategy but also a major way of improving Intermediary business income．That business in our country is in the initial stage．compared to the developed one in western，there’s still a long way to go．Therefore．the commercial banks in china need to review and study to estimate market direction；build excellence brand image and special services；Increase of innovation； change the products from single to comprehensive；Establish and perfect financial management business’management system in order to promote the development of personal financial management business in our country．Meanwhile．the commercial banks are facing the new situation：the increasing danger in traditional business．the margin of the interest rate’s turning increasingly narrowed and foreign bank’s competition．These banks should think deeply to fend why that bus；mess develop so slowly and then put forward a feasible plan． Among all the businesses in commercial banks．personal financial management business has the advantages of huge market capacity，low risk，wide range of business，and stable income．For those advantages the personal financial management business becomes commercial banks’main business and vital profits source．In western developed country，this kind of business almost gets into every family．Its business income has been account for bank’s 30％．Compared to the developed one in wester