在金融全球化和中国转变经济发展方式的背景下,国民收入及个人财富积累

发生了翻天覆地的变化,个人金融资产呈多元化发展趋势,银行间的竞争日趋激

烈。各商业银行为紧跟市场步伐,巩固自身核心竞争力,纷纷加快业务转型步伐,

发展个人金融业务亦是大势所趋,形势所迫。本文从个人金融业务的概念入手,

通过阐明论文的研究背景、目的和意义,从经济社会发展的客观趋势与银行自身

发展的主观需求两个方面,着重指出:包商银行大力发展个人金融业务,探索科

学明晰的业务发展战略是顺应国际金融业发展潮流,适应市场竞争需要,提高全

行核心竞争力的必然选择。

本文在对现有文献和理论进行梳理的基础上,选取国内外同业中个人金融业

务发展较好的四家银行作为参考样本,对其个人金融发展现状及战略举措进行剖

析、总结、借鉴,结合包商银行的现状,引用SWOT分析法,通过对其宏观环境、

行业环境、资源条件、能力条件、机遇与威胁、优势与劣势的分析,提出了包商

银行个人金融业务差异化的发展战略及具体实施措施,为实现包商银行个人金融

业务全面金融服务集成商的战略愿景提供了有意义的参考。

关键词:包商银行,个人金融业务,发展战略

Abstract

In the context of the financial globalization and the Chinese transformation of

economic development, national income and personal wealth accumulation have

undergone enormous changes. The development of personal financial assets shows a

trend of diversification. The competition between banks becomes increasingly fierce. In

order to keep pace with the market,all the commercial banks try to strengthen their core

competitiveness and accelerate the pace of business transformation. Developing the

personal financial business has become a general trend, which is impelled by

circumstances. This thesis starts with the conception of personal financial business, and

then formulates the the background, purpose and significance of the research. From the

perspectives of objective trend of economic and social development and the subjective

demand of bank ’s own development, it points out emphatically that Baoshang Bank

makes great efforts to develop personal financial business, and that groping scientific

and explicit strategy for business development is the inevitable choice of coordinating

the advancement of the international financial sector, adapting to market competition,as

well as increasing the whole bank's core competitiveness.

On the basis of the current references and theories, the thesis chooses four banks

which have a relatively rapid development from domestic and foreign interbank, then

examines,conclude,and learn from their current personal financial development and

strategic measures. It refers to SWOT, analyzes their macro-environment, industry

environment, resource conditions, competency criteria, opportunity and threats,

advantages and disadvantages, and then puts forward the development strategy and its

specific implementation measures of the differentiation of personal financial business in

Baoshang Bank, which provides meaningful reference for the realization of fully

integrated financial service integrators of personal financial business in Baoshang Bank.

Key words: Baoshang Bank, personal financial business,development strategy

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