英语翻译随着科学技术的不断发展,近百年来各国国民经济也都朝着持续、快速、健康地的方向发展.在我国,随经济的发展,居民的理

英语翻译
随着科学技术的不断发展,近百年来各国国民经济也都朝着持续、快速、健康地的方向发展.在我国,随经济的发展,居民的理财观念和投资意愿不断增强,在金融服务方面的需求也日益增多,个人金融业务的发展对商业银行发展来说变得更具战略意义.随着居民的收入和金融资产总量的增长,金融资产的结构已经开始由单一向多元转变,居民金融意识也在的不断增强,自20世纪90年代中后期以来,个人金融业务慢慢变成国内金融产品和服务创新的主要领域,成为银行业相互竞争的重要环节.
商业银行争相把个人金融业务作为发展的重点,个人金融业务得以快速发展,现已成为银行盈利的主要来源之一.我国在改革开放以后,随着社会主义市场经济的不断发展,居民收入正不断增加,家庭和个人逐渐成为国民经济发展中投资与消费的重要力量.
当中国加入WTO时,银行业的开放时间是加入WTO两年内允许外资银行对国内企业开办人民币业务；五年内允许外资银行具有完全的市场准入,允许开办人民币零售业务,在指定的地区可享受国民待遇.中国银行业的零售业务正面临着外资银行的强大冲击.
近年来人们渴望商业银行提供全方位、高层次的金融服务,正是因为个人财富的积累和扩大.这也推动了中国个人金融业务的发展,但仍然受到国内市场环境、银行科技发展水平的制约,市场的需求远不能被个人金融业务的发展速度和服务水平所满足.在这样的背景下,研究中国商业银行个人金融业务的发展具有十分重要的意义.本文试图从国内商业银行个人金融业务发展现状着手分析,与国外商业银行个人金融业务进行比较分析,指出国内商业银行个人金融业务发展中存在的问题,并借鉴国外商业银行个人金融业务的发展经验,提出我国商业银行个人金融业务的发展对策.
关键词：商业银行 个人金融业务 发展现状 发展方向对策

With the continuing development of technology,the economy in every country has been developing in a sustained,fast and healthy way over the past hundreds of years.in china,with the development of economy,the finacing concept of residents and investment will were enhanced.the need for financial service is increasing,the personel financial service development has been of strategic meaning to the development of commercial bank.with the increasing of the residents' income and financial assets,the structure of finicail assets start to change from singleness to multielement,the financial consciousness of residents is enhacing.in the middle and later 90's ,personal financial service has slowly become a main field in the financial product and the creativity of service,and it has also become a mian link of competition among bank industry.
the commercial banks are fighting to make financial service as a main development so the personal financial service has been developing in a rapid pace.it has become one of the main resources of the banks' profit.after the reform and opening policy in china and the continuing development of socialist
marketing economy,the income of residents is increasing and family and individuals have become the main power of the investment and consumption in deveolpment of economy.
when china participated in WTO,the opening time of bank industry is within 2 years after the paticipation of WTO,it allow the foreign banks to establish the RMB service:within 5 years,it gives the permission of the interfering from foregin banks and the opening of RMB retail business.they can have the national reatment in some paticular areas.chinese bank industry are facing the intensehe impact from foreign banks.
over the past few years,chinese are eagering for comprehensive and high-leveled service of commercial banks with the accumulation and expansion of individual wealth.this also pushes the the development of chinese individual financial service.however,with the restaint of domestic market environment and the level of technological development in banks,the market needs can't be fufilled by the development speed of individual financial service and the level of service.under this circumstances,it is very meanningful to explore the development of individual financial service in chinese commercial banks.this passage trys to analyse in ways of development of the domestic commercial banks and make comparision with the individual financial service of foreign banks.it points out the existing problems of the development of individual financial service in chinese commercial banks.it also uses the experience of development of individual finaicial service in foreign banks for reference and offers some developmental strategies against the development of individual financial service in chinese commercial banks.