摘要：个人理财业务是入世后中外资银行竞争的焦点。与国外及香港地区的商业银行相比，内地商业银行的个人理财业务不论在服务对象和内容的界定、金融监管、业务管理、营销推广等方面均存在不足。如何通过借鉴国外及香港地区银行的经验，制定适合自身个人理财业务发展的策略是当前商业银行应该关注的一个研究课题。

关键词：个人理财业务；服务对象；市场细分；商业化


development strategies of personal financial
services in commercial banks
――compare and reference


abstract: personal financial services is the focus of competition of the chinese and foreign banks after entering the wto. as compared with the commercial banks of foreign countries and hong kong area, the personal financial services of inland commercial banks have many defects no matter in definition of service object and content, financial supervision, business management or marketing and popularizing. how to use the experiences of banks in foreign countries and hong kong area for reference to constitute suitable development strategies of personal financial services is a research subject that the commercial banks should pay close attention to at present.
key words:personal financial services; service object; subdivision of market; commercialization


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