我国私人银行业务发展的现状及对策

随着我国经济的快速发展,我国商业银行私人银行业务也步入了快速发展的轨道。但我国私人银行业务受服务品种单一、结构不合理、营销体系不健全,售后服务不到位、人才不足、分业经营等因素制约,难以发挥应有的作用。因此,我国私人银行亟需革新经营理念、健全营销体系、加强人才队伍建设并提升自身的风险管理能力。

Current Situation and Countermeasure of China's Private Banking Business Development

As the fast developing of our country＇s economy,the private banking business of the China＇s commercial banks has entered a rapidly developing track.But our private banking business is very difficult to achieve the desired effect,for it is constrained by a lot of factors,such as,single service items,unreasonable structure,marketing system is not perfect,bad after-sales service,lack of talents,diversified business and so on.So,our private banking business is urgent need to innovate operation ideas,consummate marketing system and strengthen the development of qualified personnel to enhance risk management capability.