CAJ | 학술논문

本文对我国个人金融业务的市场特征进行了深入分析,探讨了个人金融消费市场的存续机制、发展现状以及商业银行面临的竞争新形势,从个人金融业务的成长曲线、产品严重同质化、金融消费意识不足、市场定位模糊与经营水平有限、金融监管与法律漏洞等方面,揭示了我国个人金融业务发展的制约因素,并从价值挖潜、职业人才建设、品牌设计再造与填补金融法律漏洞等方面,提出了促进商业银行个人金融业务发展的竞争策略建议。
본문대아국개인금융업무적시장특정진행료심입분석,탐토료개인금융소비시장적존속궤제、발전현상이급상업은행면림적경쟁신형세,종개인금융업무적성장곡선、산품엄중동질화、금융소비의식불족、시장정위모호여경영수평유한、금융감관여법률루동등방면,게시료아국개인금융업무발전적제약인소,병종개치알잠、직업인재건설、품패설계재조여전보금융법률루동등방면,제출료촉진상업은행개인금융업무발전적경쟁책략건의。
In this paper, we mainly discussed the personal financial market structure in-depth, based on supply gap, financial consumer cultural differences and markets inertia. Through in-depth analysis of the domestic status of the individual＇s financial services operation, from the competitive strategy and constraints factors, this paper reveals the irrational structure of China＇s financial markets and long-term ＂low-level equilibrium＂, and from the value maximization, technology platform, resource integration and brand construction to give some suggestions on how to improve our personal financial business.