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Question

我国商业银行个人理财业务的发展既是满足居民日益增长的需求多样化、服务个性化的要求，同时也是商业银行加强同业竞争、持续经营发展的需要。随着2006年我国加入WTO过渡期的结束，我国金融业全面开放，大量具有综合业务的金融机构涌入国内市场， 一方面我国商业银行不仅要参与国内同业激烈的竞争，而且要接受国际金融巨头的挑战，另一方面随着我国金融业的逐步放开，相关的资金、人才、技术、信息等资源将在全球范围内得到更加合理的配置，国际国内的个人理财业务将在一定程度上融合，伴随着经济与金融全球化的趋势，个人与家庭对个人理财服务的需求也不断向更加深入的领域拓展。我国各商业银行应该认清历史的潮流和本身的优劣势， 以更加理性和科学的态度，勇于创新实践， 提高自己在个人理财业务中的核心竞争力，不断扩大自己的竞争优势，从而促使我国商业银行个人理财业务逐步迈向成熟而广阔的未来。

Answer 1

China's commercial banks to the development of Personal Financial Services is not only to meet the increasing demand for diversified, personalized service requirements, but also with commercial banks to enhance competition, the continued operation and development needs. In 2006 with the WTO China's accession to the end of the transitional period, China's full liberalization of the financial industry, a large number of integrated services with the financial institutions into the domestic market, on the one hand, China's commercial banks should not only take part in domestic competition with the industry, but also to accept the international financial giant challenges, on the other hand, as China's gradual liberalization of the financial industry, the relevant funds, personnel, technology, information and other resources at the global level will be a more reasonable allocation of the personal finance international and domestic business will be integrated to some extent , along with economic and financial globalization, the individual and the family of personal financial services needs also to expand the areas in greater depth. China's commercial banks should get a clear understanding of the tide of history and its own advantages and disadvantages to a more rational and scientific attitude, to be creative and practice, to improve their personal financial business in the core competitiveness and expanding their competitive advantage, thus promoting our country Personal Financial Services commercial banks to gradually move towards a mature and bright future.

Answer 2

China's commercial banks to the development of Personal Financial Services is not only to meet the increasing demand for diversified, personalized service requirements, but also with commercial banks to enhance competition, the continued operation and development needs. In 2006 with the WTO China's accession to the end of the transitional period, China's full liberalization of the financial industry, a large number of integrated services with the financial institutions into the domestic market, on the one hand, China's commercial banks should not only take part in domestic competition with the industry, but also to accept the international financial giant challenges, on the other hand, as China's gradual liberalization of the financial industry,
Related funds, personnel, technology, information and other resources at the global level will be a more reasonable allocation of the personal finance international and domestic business will be integrated to some extent, along with economic and financial globalization, the individual and the family of the individual demand for financial services continue to expand the areas in greater depth. China's commercial banks should get a clear understanding of the tide of history and its own advantages and disadvantages to a more rational and scientific attitude, to be creative and practice, to improve their personal financial business in the core competitiveness and expanding their competitive advantage, thus promoting our country Personal Financial Services commercial banks to gradually move towards a mature and bright future.