中國商業(yè)銀行個人金融產(chǎn)品創(chuàng)新研究【外文翻譯】

1、<p><b>　　外文翻譯</b></p><p><b>　　譯文</b></p><p>　　中國商業(yè)銀行個人金融產(chǎn)品創(chuàng)新研究</p><p>　　資料來源: 亞洲社會科學 作者：丁孟春 蕭敬</p><p>　　1.中國商業(yè)銀行金融產(chǎn)品概

2、述</p><p>　　中國銀行業(yè)監(jiān)督管理委員會定義“金融事業(yè)"是商業(yè)銀行為客戶提供財務(wù)分析,財務(wù)規(guī)劃、投資顧問、資產(chǎn)管理等專業(yè)服務(wù)。在中國的商業(yè)銀行金融業(yè)務(wù)分為財務(wù)咨詢服務(wù)和綜合金融服務(wù)根據(jù)不同風格的管理和運營。我們通常指銀行金融產(chǎn)品人工合成的金融服務(wù)的實踐中去。銀行理財產(chǎn)品有資本投資和管理計劃設(shè)計和賣給了一些具體的目標客戶在進一步分析了潛在的客戶。設(shè)計并發(fā)布的商業(yè)銀行所提供的資金投資到有關(guān)金融市場買

3、相關(guān)金融商品,根據(jù)合同將收益分配給投資者根據(jù)合同規(guī)定的檢驗證書。在本質(zhì)上,金融產(chǎn)品是一種金融投資。銀行客戶授權(quán)采取統(tǒng)籌基金管理。投資收益與風險由顧客或客戶進行模式按照協(xié)議的存在,表明金融產(chǎn)品的風險投資</p><p>　　固定收入資本保值:它屬于金融產(chǎn)品有保障,校長,具有固定收入和適合投資者有低風險的偏好。固定基本收入保護金融產(chǎn)品類似于銀行存款,但都有稍微更高的回報比存款利率。它適合習慣和保守的投資與訂金想法。&

4、lt;/p><p>　　浮動收入資本保值:具有同等保證主要,但回報率取決于銀行都投資在正確的方向上,實際利潤或者它是成正比的實際損益的比例。更適合于強勁的投資者。非浮動收入資本保值:這些產(chǎn)品既不采用主,也沒有擔保保證利潤。主要投資于股票,新發(fā)行的股票,和結(jié)構(gòu)化產(chǎn)品。投資收入不斷獲得高產(chǎn)或下去降低產(chǎn)品價格類似股票基金。適用于風險偏好和較強的寬容的投資者。獲益可能高達15% - 20%至以上,但也可能是一種損失。<

5、/p><p>　　腎素的財富管理產(chǎn)品:隨著我國大力創(chuàng)新在銀行金融市場豐富的創(chuàng)新。從基于創(chuàng)新方面,銀行延長他們的投資產(chǎn)品,政府債券、金融債券和央行票據(jù),證書,短期融資貸款信任計劃,以及購買新股;從差異創(chuàng)新方面,金融產(chǎn)品不同長度的分類流動性,而且是如此的完成那個范圍從產(chǎn)量保護的情況下,向委托方可利用的保存,然后保存。最常見的形式包括債券、信任、新股申購、境內(nèi)機構(gòu)投資者。</p><p>　　雙幣管

6、理的金融產(chǎn)品:根據(jù)人民幣升值預期,人民幣和外幣金融產(chǎn)品創(chuàng)新相結(jié)合新金融產(chǎn)品,包括:第一,資本投資的兩種貨幣和有組織的操作模式,人民幣理財產(chǎn)品分別由外匯理財產(chǎn)品。校長和收入的工資將原幣說到失效。第二,它使用了人民幣作為投資本金和主辦單位外幣財務(wù)管理模式。校長和產(chǎn)量,以及興趣都歸還在形式的外幣。第三,也還有一些其他的交叉投資模型。</p><p>　　2.分析中國商業(yè)銀行金融產(chǎn)品創(chuàng)新</p><p

7、>　　個人理財產(chǎn)品主要是投資于貨幣市場債券、票據(jù)、短期融資券、固定收益產(chǎn)品之前,2006年,但金融產(chǎn)品的現(xiàn)行結(jié)構(gòu)進一步創(chuàng)新。收入結(jié)構(gòu)可以與貨幣市場病例,美元利率互換產(chǎn)率,以及股票指數(shù),結(jié)果在擴大投資領(lǐng)域。尤其是當股票市場繼續(xù)繁榮發(fā)展,這個鉤子在股票市場指數(shù)和投資中國金融產(chǎn)品創(chuàng)新有很大的影響。</p><p>　　銀行金融產(chǎn)品是一種封閉的投資,然后它能不能逃脫風險的流動資產(chǎn)。因為更嚴重的市場競爭,是容易找到的

8、部分產(chǎn)品可以贖回提前。因此,這些金融產(chǎn)品的流動性越來越強大。</p><p>　　刺激了市場環(huán)境下日益繁榮,每一個商業(yè)銀行更加注重生產(chǎn)創(chuàng)新。生命期限這些金融產(chǎn)品已短如有一天,如金融產(chǎn)品命名為“得益于上海銀行提供的利益”。它提供了方便投資者?？紤]到認購金額,銀行設(shè)計出不同的訂閱準入水平,以滿足不同的類型的投資者。這種行為吸引更多的顧客對銀行。</p><p>　　盡管金融產(chǎn)品創(chuàng)新我國商業(yè)銀行

9、有很大的近年來,他們?nèi)匀辉诘谝坏慕ㄔO(shè)過程中同發(fā)達國家相比。</p><p>　　商業(yè)銀行很流行,但在中國,產(chǎn)品很好,但是服務(wù)很差。銀行通常不能使用有效的營銷策略和體系,以促進新金融產(chǎn)品,它限制新的親人的市場推廣和影響銀行的利益的負面影響。甚至在某些情況下,銀行誤導消費者的投資回報,自夸保持風險,從而導致客戶的部分的理解。最后,的投訴者客戶的投訴,銀行的信用變低或低。</p><p>　　一

10、些著名的銀行在全世界確實強調(diào)品牌建設(shè)和管理的金融服務(wù)建立了自己的品牌和口號。這里使用的名字和口號迫切的需要是建立品牌形象,將其專業(yè)及特點的聲望,顯示他們的顧客。一個好的品牌吸引更多的顧客對銀行。在全國范圍內(nèi),商業(yè)銀行往往忽視了品牌建設(shè)。雖然他們學過一些策略從世界和建立一些品牌,他們通常不會管理和維護公司的品牌。例如,他們經(jīng)常使用個人的名字而不是一個牌子,導致部分的理解客戶的產(chǎn)品和進一步導致糟糕的財務(wù)產(chǎn)品的促銷。</p>&

11、lt;p>　　金融業(yè)務(wù)是一種綜合服務(wù)。醫(yī)生應(yīng)該綜合能力,以及系統(tǒng)和專業(yè)知識。長期以來,公司的東西在銀行通常在一個領(lǐng)域和短缺的存款的合成理解、債券、股票、保險、房地產(chǎn)和資金。盡管銀行已經(jīng)組織了一系列的訓練來,東西質(zhì)量急需改進。</p><p>　　3中國商業(yè)銀行金融產(chǎn)品創(chuàng)新的建議</p><p>　　3.1加強產(chǎn)品設(shè)計創(chuàng)新</p><p>　　設(shè)計和服務(wù)的理財產(chǎn)

12、品商業(yè)銀行必須以客戶為中心。商業(yè)銀行應(yīng)當注重市場在產(chǎn)品創(chuàng)新設(shè)計的流程為適應(yīng)不斷變化的客戶的需求。此外,代表投資是核心產(chǎn)品的結(jié)構(gòu)。主要的程序包括:</p><p>　　第一,結(jié)合目前的投資服務(wù)既可以保證客戶要求和維護現(xiàn)有的市場占有率,并且挖掘新的潛在的客戶。</p><p>　　第二,商業(yè)銀行應(yīng)提高愛挑剔的消費貸款條件程序,開發(fā)個人抵押貸款、證券,典當貸款大力等等。當融資,銀行可以開發(fā)新產(chǎn)品

13、及時吸引顧客的按照變更消費的食欲。</p><p>　　第三,商業(yè)銀行應(yīng)當收集綜合財務(wù)信息,宏觀信息等,打造企業(yè)的財務(wù)信息文件和推廣各種信息的咨詢與課堂通過一些方法,如配合專業(yè)信息公司。</p><p>　　第四,商業(yè)銀行應(yīng)擴大范圍,提高訓練水平的代理的業(yè)務(wù)。廣泛的發(fā)展后,代理業(yè)務(wù)的大銀行應(yīng)進一步的研究,以滿足客戶的欲望的欣賞,除了那些代理服務(wù)發(fā)展廣泛。</p><p&

14、gt;　　第五,商業(yè)銀行應(yīng)當提供全面的產(chǎn)品。根據(jù)客戶的優(yōu)秀的沉積物和大量的銀行業(yè)務(wù)時,確定客戶的利益程度,旨在吸引顧客,集中他們的存款進銀行。</p><p>　　3.2價值的分割金融市場</p><p>　　金融產(chǎn)品在我國應(yīng)堅持品牌營銷、個性化和創(chuàng)新的路線。只做了他們的商業(yè)銀行金融產(chǎn)品的良好的品牌形象,才能區(qū)別于其他金融服務(wù),避免低級別的比賽中為產(chǎn)品的處理和維護他們的地位在競爭中。因此,

15、商業(yè)銀行應(yīng)細分市場,設(shè)計金融產(chǎn)品觀念的不同客戶的表格。作為一個成果,銀行可以更有效地滿足客戶的需求,保證留住客戶</p><p>　　3.3強調(diào)銷售渠道的建設(shè)</p><p>　　銀行應(yīng)該提高金融產(chǎn)品的科學技術(shù)服務(wù)水平不斷以建立完善的網(wǎng)絡(luò)信息服務(wù)體系,先進的網(wǎng)絡(luò)平臺和個人信用體系建設(shè)。目前,國內(nèi)銀行還以出口為主要渠道的金融服務(wù),而重要客戶服務(wù)的電話銀行和在線銀行在發(fā)展,慢慢地,這是一個大的

16、盲點的建設(shè)。然而,全球金融發(fā)展的重要趨勢開發(fā)就是銀行改變從最初的獨家頻道服務(wù)向個營業(yè)網(wǎng)點網(wǎng)絡(luò)服務(wù)。從長遠分析、物理信道上的個人金融服務(wù)將轉(zhuǎn)而三級系統(tǒng):金融中心、財務(wù)室、中的特殊財務(wù)計數(shù)器從“富強的家庭的房間。前進的方向就會轉(zhuǎn)向電子通道積極從物理信道,隨著信息技術(shù)的進步和網(wǎng)際網(wǎng)路科技。自助銀行、網(wǎng)上銀行、電話銀行和手機銀行的方法將更重要貴賓服務(wù),盡管數(shù)據(jù)傳統(tǒng)的分支結(jié)點將減少,一年一年。與此同時,商業(yè)銀行應(yīng)整合品牌的交流和傳播全面;十分注重

17、統(tǒng)一和連續(xù)性。此外,他們應(yīng)該確定共同的目標,以確保各品牌行為的積累對品牌資產(chǎn)通過市場細分。</p><p>　　3.4提高消費者的金融意識</p><p>　　最大的問題是當前所面臨的不成熟狀態(tài)融資市場金融市場的需求。很明顯,個人客戶相當保守的在金融的想法,他們的投資單一和傳統(tǒng)。事實上,融資是為了實現(xiàn)人生理想的每一個階段期間人的生命通過管理個人理財資源正確。因此,當商業(yè)銀行進行融資的創(chuàng)新產(chǎn)

18、品,它必須幫助客戶獲得正確的融資意識。同時,銀行應(yīng)利用各種融資工具完全、設(shè)計個人財務(wù)控制計劃,并幫助客戶實現(xiàn)多種目標在不同的階段的生活收入來定,開銷和風險偏好在不同的時期。從長遠來看,銀行應(yīng)該提高建立強大的品牌忠誠度與穩(wěn)定的客戶關(guān)系,并最終實現(xiàn)雙贏的融資通過指導產(chǎn)品。</p><p>　　3.5引進和培養(yǎng)高素質(zhì)的人才</p><p>　　我們商業(yè)銀行應(yīng)該培養(yǎng)方面的金融顧問的財務(wù)知識、銀行和

19、營銷技能強烈。他們應(yīng)該保證金融顧問的專業(yè)知識完美,善于營銷、管理,創(chuàng)新的想法并具有良好的客戶服務(wù)。在此基礎(chǔ)上,完成了產(chǎn)品的定位、開發(fā)、營銷和評價。</p><p><b>　　原文</b></p><p>　　Title: Research on Personal Financial Product Innovation in Commercial Banks of

20、China</p><p>　　Material Source: Asian Social Science Author: Din Meng chun & Xiao Jing</p><p>　　1.Overview of Financial Products in Commercial Banks of China</p><p>　　China Ban

21、king Regulatory Commission defined "Financial Business" as the commercial banks to provide customers with financial analysis, financial planning, investment advisers, assets management and other professional se

22、rvices. Financial business in commercial bank is divided into financial consultancy services and synthetic financial services according to the different style of management and operation. We normally refer Bank Financial

23、 Products to synthetic financial services in practice. Bank f</p><p>　　Fixed Income Capital Preservation: It belongs to financial products of guaranteed the principal, which has fixed income and fits investo

24、rs with low risk preference. Preservation of fixed income-based financial products is similar to bank deposits, but has slightly higher returns than deposit rates. It is suitable for people with deposits habit and conser

25、vative investment ideas.</p><p>　　Floating Income Capital Preservation: It has the same guarantee on principal, but the rate of return depends on whether banks are investing in the right direction and the ac

26、tual profits or it is proportional to the actual profit and loss ratio. It is more suitable for robust investors. Non-Floating Income Capital Preservation: These products are neither guaranteed by principal nor guarantee

27、d by profit. It mainly invested in stocks, new issued shares, and structured products. The investment incom</p><p>　　Foreign currency marked finance products: they come forth earlier than the rennin wealth m

28、anagement products. It has advantages such as structural diversity and strong innovation ability. With their own strong overseas investment capabilities, foreign banks perform actively in this field, and provide a variet

29、y of investment topics, such as emerging-market stocks, luxury stock basket, and water resources stock basket, to assist investors to seize the capital market with lower risks.</p><p>　　Rennin wealth managem

30、ent products: with the vigorous innovation in the banking financial market is abundant of innovations. From the based innovation aspect, banks extended their investment products from government bonds, financial bonds and

31、 central bank bills to short-term financing certificates, loan trust plan, as well as purchase of new shares; and from the discrepancy innovation aspect, the financial products are different in the length of liquidity, a

32、nd their categories are so complete tha</p><p>　　Dual-currency managed financial products: according to expected currency appreciation, the Yuan and foreign currency financial products are combined innovativ

33、ely into some new financial products, which can include: first, the capital is invested by two currencies and organized with operation mode by RMB financial products and by foreign currency financial products respectivel

34、y. The principal and income will be paid in the original currency when comes to expiration. Second, it uses the RMB Yuan a</p><p>　　2. Analysis on Financial Product Innovation in Commercial Banks of China<

35、;/p><p>　　Personal finance products was mainly invested in money market bonds, notes, short-term financing bonds, fixed-income products before 2006, but the current structure of financial products has been furt

36、her innovated. Revenue structure can be linked with money market repot rate, the U.S. dollar swap yield rate, as well as stock index, which results in expanded investment fields. Especially when the stock market continue

37、s to boom, the hook in the stock market indexes and investment trust-based finan</p><p>　　Banking financial products is a kind of closed investment, and then it can not escape from risks of liquidity. Due to

38、 more serious market competition, it is easy to find out some products that can be redeemed in advance. Therefore, the liquidity of these financial products be stronger and stronger.</p><p>　　Stimulated by t

39、he more flourish market circumstance, every commercial bank pays more attention to production innovation. The life term of these financial products have been as short as one day, such as a financial product named “benefi

40、ts from benefits” offered by Shanghai Bank. It offers convenience to investors. Considering subscription amount, the banks design the different subscription admittance level to satisfy the different kind of investors. Th

41、is behavior attracts more customers for banks</p><p>　　Although financial products have been innovated greatly in commercial banks in China in recent years, they are still at the first steps of development w

42、hen compared with the advanced countries.</p><p>　　It is popular in commercial banks in China that products are good but service is poor. The banks often fail to use effective marketing strategies and system

43、 to promote the new financial products, which limits the new ones’ market promotion and influences the banks’ benefit negatively. Even in some situation, the banks mislead the customers by boasting investment return and

44、keeping in risks, which lead to customers’ partial understanding. Finally, the customers make complaints, and banks’ credit </p><p>　　Some famous banks in the world really emphasize brand construction and ma

45、nagement of financial services and set up their own brands and slogans. The name and slogan used here come from the dire need to set up the brand image, to present their specialty as well as characteristics and to show t

46、he prestige of their customers. A good brand attracts more customers for banks. Nationally, commercial banks often ignore brand construction. Although they have learned some strategies from the world and set</p>&

47、lt;p>　　Financial business is a kind of synthetic service. The practitioner should have synthetic ability, as well as systematic and professional knowledge. For a long time, the stuff in banks often specialize in one f

48、ields and are in short of synthetic understanding of deposit, bonds, stock, insurance, real estates and funds. Although the banks have organized a series of training for them, stuff quality is in urgent need of improveme

49、nt.</p><p>　　3.Suggestion on Financial Product Innovation in Commercial Banks in China</p><p>　　3.1 Strengthen Products Design Innovation</p><p>　　The design and service of the fina

50、ncial product in commercial bank must take the customer as the center. Commercial banks should pay attention to the market in the process of product design in order to adapt the unceasing change of customers’ demand. Bes

51、ides, represent investment is the core of the products’ structure. The main procedure includes:</p><p>　　First, the combination of the present investment service can not only guarantee the customer request a

52、nd maintain the existing market share, but also excavate the new potential customers.</p><p>　　Second, commercial banks should improve the fussy condition of the consumptive loan procedure, and develop indiv

53、idual mortgage loan, the negotiable securities to pawn the loan vigorously and so on. When financing, the bank may develop the new product promptly to attract the customers according to the change of the consumption appe

54、tite.</p><p>　　Third, commercial banks should collect comprehensive financial information, the macroscopic information and so on, establish the financial information file and disseminate each kind of informa

55、tion in the way of consultancy and lecture through some methods, such as cooperating with specialized information company.</p><p>　　Fourth, commercial banks should expand the scope and enhance the level of t

56、he agency’s business. After widely development of agency business, those big banks should make a further study to satisfy the customer’s desire of appreciation, in addition to those agency service developing extensively.

57、</p><p>　　Fifth, commercial banks should provide the comprehensive product. According to customers’ outstanding of deposits and the volume of bank business, they determine the benefit degree to customers, ai

58、ming at attracting the customers to concentrates their deposits in a bank.</p><p>　　3.2 Value Segmentation of Financial Market</p><p>　　The financial products in our country should insist on the

59、 brand marketing and the personalized and innovative route. Only do the commercial bank set up their good brand image of financial products, then they can be distinguished from other financial services, avoid low level c

60、ompetition for the products’ homogenization and maintain their status in the competition. Therefore, the commercial banks should subdivide the market, design financial products from the view of the different customers. A

61、s </p><p>　　3.3 Emphasize Marketing Channel's Construction</p><p>　　The banks should raise the financial product’s science and technology service level unceasingly by the</p><p>

62、;　　Establishment of the perfect information network service system, the advanced network platform and the construction of individual credit system. At present, the domestic bank still takes the outlet as the main channe

63、l of the financial services, while the VIP services of telephone banking and on-line banking develop slowly, which is a big blind spot of the construction . However, the important trend of global financial development is

64、 that banks change from the original sole channel of business o</p><p>　　3.4 Raise Consumers’ Financial Consciousness</p><p>　　One of the biggest problems faced by current financing market is th

65、e immaturity of financial market demand. It is obvious that the individual customers are quite conservative in the financial idea, and their investment is unitary and traditional. In fact, financing is to fulfill one'

66、;s ambitions during every phase of one’s life through managing individual financial resources correctly. Therefore, when commercial banks carry on the innovation of financing product, it must help customers acquire th<

67、;/p><p>　　3.5 Introduce and Train High-quality Talents</p><p>　　Our commercial bank should train the financial advisors in the aspects of financial knowledge, banking and the marketing skills inten

68、sively. They should guarantee that the financial advisors own specialized knowledge perfectly, is good at the marketing, the management and the innovation and have the good idea about customers’ services. In this foundat