论文部分内容阅读
我国银行个人理财市场经过2004年到2005年上半年短暂的调整后,得以迅速发展,已经确立起银行在个人理财市场中不可替代的主导地位,其中以“阳光理财”为代表的理财品牌脱颖而出,带动了整个银行业的战略转型,并推动了金融监管理念和方式的创新。竞争主体多元化、市场需求明朗化、产品开发个性化将会是06年个人理财市场发展的三大趋势,商业银行将会加大技术和人力资本的投入,推出具有自主知识产权的理财品牌,而这将推动中国银行业继信用卡品牌建设之后的第二次品牌建设高潮。
After a brief adjustment from 2004 to the first half of 2005, China’s personal financial market developed rapidly and established an irreplaceable dominance of banks in the personal financial market. Among them, the wealth management brand represented by “Sunshine Money Management” stood out, Led the strategic transformation of the entire banking industry and promoted innovation in the concepts and methods of financial supervision. The diversification of competition subjects, clearer market demand and personalization of product development will be the three major trends in the development of the personal finance market in 2006. Commercial banks will increase investment in technology and human capital, launch wealth management brands with independent intellectual property rights, And this will promote the second brand building climax of China’s banking industry after the construction of credit card brands.