浅谈个人金融业务在我国的发展

我国经济的持续发展，人们金融意识的不断提高，以及来自外资银行的激烈竞争，迫切需要我国银行发展个人金融业务。目前，国内各银行已树立了以客户为中心的经营理念，相继推出了一系列个人金融服务项目，但这些项目总体上仍然存在深度不够、竞争力不强和产品结构难以适应个人客户需求等不足。因此。我国银行应制定个人金融业务的发展战略，解决目前存在的问题，以获取更大的收益。

Discussions about the Development of Individual Financial Business in China

The continued development of our economy, the constant increase in people's awareness of finance, and the fierce competition from foreign- owned banks urgently require our banks to develop individual financial business. Our banks have now established customer- centered operation idea, and produced, one by one, a series of individual financial service items. But these items on the whole have some disadvantages, such as lack of depth, less competitiveness, and less marketability as to the structure of the products for individual customers, and so on. Our banks, therefore, should formulate the strategies of developing individual financial business and solve the presently existing problems to make more profits.