| 商业银行个人金融业务存在的问题与发展对策 |
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| 引用本文： | 徐海凤. 商业银行个人金融业务存在的问题与发展对策[J]. 辽宁工程技术大学学报(社会科学版), 2009, 11(2): 146-147 |
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| 作者姓名： | 徐海凤 |
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| 作者单位： | 中国人民银行,阜新市中心支行货币金银科,辽宁,阜新,123000 |
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| 摘 要： | 中国商业银行个人金融业务存在品种单一、规模小,技术手段落后,电子化及网络化程度低,市场细分不到位,客户服务薄弱,客户关系管理落后等问题,其原因有金融体制、社会信用体系等多种因素的制约、金融产品缺乏等,借鉴国外银行发展的经验,提出健全客户关系管理制度,实施差别化服务,培养理财人员,着手建立个人信用体系等对策建议。
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| 关 键 词： | 商业银行 个人理财 发展策略 |
Problems and development countermeasures of indivisual financial service of commercial banks |
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| XU Haifeng. Problems and development countermeasures of indivisual financial service of commercial banks[J]. Journal of Liaoning Technical University(Social Science Edition), 2009, 11(2): 146-147 |
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| Authors: | XU Haifeng |
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| Affiliation: | Section of Money;Gold and Sliver;Central Sub-branch of Fuxin City of People's Bank of China;Fuxin 123000;China |
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| Abstract: | In indivisual financial service,there are such problems as unitary variety,small scale,backward technological means,low degree of computerization and network,poor market subdivision,weak costomer service,backward management of costomer relation and so on in Commercial Bank of China.The reasons for the above problemss include financial system,many kinds of restrictions such as social credit system,restraint of quality of personal working in the bank and lack of financial products and so on.Using development ... |
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| Keywords: | commercial bank indivisual financing development strategy |
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