Personal Banking Business

And credit card is the comprehensive carrier of the personal banking business .

个人银行业务的综合载体即是一张信用卡。

The personal banking business is in the historical period of the transition from traditional channel to electronic in our country .

我国商业银行的个人银行业务正经历从传统网点向自助银行迁移的历史阶段。

Study on Personal Banking Business Development Strategy of Small and Medium Sized Commercial Banks

中小股份制银行个人银行业务发展策略初探

The third part analyzed the business performance of personal banking business in China Construction Bank Guangdong Branch .

第三部分分析建设银行广东省分行个人银行业务概况。

However , due to late start , personal banking business developing level of Chinese commercial banks is still low .

但总体而言，由于起步较晚，我国商业银行个人银行业务发展水平仍然不高。

Personal banking business is an emerging business in China . However , it has been developed for centuries in the international market .

私人银行业务在中国而言是一项新兴的服务，但是，国际私人银行业务的发展已经经过了数百年的积淀。

Looking through the developing history of those banks , the innovation of the personal banking business has greatly improved their competitive power .

从西方商业银行的发展历史来看，个人金融业务产品的创新极大地提高了西方商业银行的竞争力；

Firstly , it 's closely related to commercial banks ' management strategies , as the banking system lacks for enough drive for personal banking business ;

首先，与我国商业银行经营思路密切相关，银行体系缺乏对个人金融业务足够的推动；

The fifth part is the development strategy of personal banking business in the Construction Bank Guangdong Branch , which are the macroscopic strategy and the concrete development countermeasure .

第五部分是建设银行广东省分行个人银行业务发展策略，主要有总体宏观战略和具体发展对策。

Only we find out the roots of these problems and put forward innovation measures in view of this situation , can we expand the development space for personal banking business .

只有找到问题根源，有针对性地提出改革措施，才能够拓展银行个人业务的发展空间。

The sixth part is conclusion position , which summarizes the whole text , definitude ulteriorly the development direction of the personal banking business Shenyang branch of CMB .

第六章结论部分对全文加以总结，进一步明确招行沈阳分行个人银行业务的发展策略。

Especially , the traditional personal banking business such as housing loans and car loan market continues to shrink . The commercial banks transfer their competition core to the credit card business .

尤其是在作为传统的个人银行业务重点的住房贷款和汽车贷款市场持续萎缩，风险层出不穷的情况下，商业银行把竞争的核心转向盈利能力强、市场空间大的信用卡业务。

Bank outlets operations management will directly be related to commercial bank service efficiency , operations risk prevention , cost structure optimization , and influence the personal banking business value creativity and core competitive power .

网点运营管理将直接关系到商业银行服务效率提升、操作风险防范、成本结构优化，并影响决定了商业银行个人银行业务的价值创造力和核心竞争力。

According to the WTO agreement , China removed all geographical restrictions and opened individual RMB business to all foreign banks in 2006 , which mean the competition for the personal banking business will be even more intense .

根据WTO协议，中国于2006年底取消所有地域限制，全面对外资银行开放人民币业务，中外资银行对个人银行业务的争夺将更为激烈。

Last decade has witnessed a rapid growth of mortgage loan in China , and the mortgage loan has already become one of the most important personal banking business in and a major source of profit for most Chinese commercial banks .

近十年来，个人住房按揭贷款在我国发展很快，已成为商业银行的主要业务和利润来源之一。

By using the method of PEST , Five-Force Model , SWOT , The fourth part analyzed the chance and menace of exterior environment , the merit and shortcoming of interior environment of personal banking business in the Construction Bank Guangdong Branch .

第四部分运用PEST理论、五力模型、SWOT模型，分析了建设银行广东省分行的个人银行业务外部环境的机会与威胁、内部环境的优势与劣势。

Through analyzing the types , current condition , realistic background and its great importance of both foreign and domestic personal banking business , this paper intends to point out that the development of personal banking business is restricted by business products in extent , depth and size levels .

本文通过比较分析国内外个人金融业务品种、服务现状、发展个人金融业务的现实背景和重要意义，指出目前我国商业银行开展个人金融服务时主要受业务品种的广度、深度和规模层次方面制约。

The second part sketches personal electronic banking business and marketing strategy to establish a theoretical foundation for future research .

第二部分分别概述了个人电子银行业务和商业银行营销策略，为后续研究奠定理论基础。

I hope that this paper can provide a reference for the development of personal Internet Banking business in the joint-stock commercial banks .

希望通过论文研究为股份制商业银行个人网上银行业务的发展提供理论参考。

The second part introduces the connotation of personal finance banking business , including its type and characteristics ; then is the basis of relevant theories and personal financial services , they have an important guiding significance for the development of personal financial services .

第二个部分作者首先介绍了银行个人理财业务的内涵，包括它的种类与特点；然后是与个人理财业务相关的基础理论，他们对个人理财业务的发展有重要的指导意义。

Customer relationship management in all aspects of widely used personal management in the banking business also has a wide range of applications .

客户关系管理在各个方面都有广泛应用，在银行个人管理业务也有广泛的应用前景。

Secondly , the customer 's degree of acception 、 the imperfection of the outer social environment and the unsoundness of the personal credit system etc. also seriously hamper the development of commercial banks ' personal banking business .

其次，客户的接受程度、外部社会环境不完善以及个人信用体系不健全等因素也严重束缚了商业银行个人业务的发展。

Study on Credit Card Personal Credit Evaluation Model of Anshan City Branch of China Construction Bank In the second chapter , the definition and the traits of personal banking business are introduced , and the personal bank marketing practice in our country is researched .

鞍山建行信用卡客户信用评价模型研究本文的第一部分主要介绍了市场营销理论的产生和发展，以及商业银行营销的定义、主要内容和银行产品的一般性和特殊性所决定的银行营销的特点。

Finally , by analyzing the critical success factor of personal Internet Banking in China Merchants Bank , this paper raised the related issues which should be noted in the development of the personal Internet Banking business .

最后，通过对招商银行个人网上银行业务关键成功因素进行分析，提出个人网上银行业务发展过程中应关注的几个重要环节。

As a new type of consumption , Personal consumption credit play an important role in promoting the growth of Economy , stimulating consumption , improving credit assets structure . It has become a competitive focus in greatly developing personal banking business , expanding personal customers of high quality .

个人消费信贷作为一种崭新的消费方式和信贷渠道可以起到拉动经济增长、刺激消费、改善银行信贷资产结构等多种功效，成为商业银行大力发展个人银行业务、拓展个人优质客户的竞争焦点。