Many foreign researches have also shown that personal financial services could be beneficial to increase the income rate and enlarge the customer base . meanwhile , with the development of economy , people have become wealthier 国外银行的经验也表明,个人理财业务在中间业务中的利润贡献率比较高,而且个人理财业务能够巩固和扩大客户。
Based on the analysis of developing situation and restriction factors of our bancassurance , this article , from the successful experience of bancassurance in foreign country , gives some suggestions to solve these problems 借鉴国外银行保险发展的成功经验，在分析我国银行保险的发展现状及制约因素的基础上，提出解决这个瓶颈问题的对策建议。
According to competition tendency and advanced marketing theory of foreign bank , the paper puts forward the integer marketing theory . it includes interior marketing , traditional marketing , and mutual marketing 根据我国商业银行的营销现状以及将来的竞争趋势，借鉴国外银行先进的营销理论，有针对性的对我国商业银行提出了整体营销理论。
In foreign banks , data mining has applied in marketing management , customer relationship management and credit risk management , and so on . while in our commercial banks , data mining has still been in exploring 国外银行已经大规模应用数据挖掘于营销管理、客户关系管理、信用风险管理等领域,而我国商业银行的数据挖掘还处于不断探索之中。
But international factoring is just in stage of starting in our country , and there is a very heavy disparity between chinese banks and foreign banks in ideas , technology , fund scale , and so on 但国际保理业务在我国的发展还处于起步阶段，在观念、技术、资金规模等方面都与国外银行有很大的差距，在法制环境、信用体系等大环境上也有许多的不足。
After china successful entry into wto the state - owned commercial banks confront strong competition from the foreign banks and the new domestic sharlized banks . the only way to get the advantage is to restructure the stock - holding system of state - owned commercial banks 在面对国内众多新兴商业银行的竞争、入世后国外银行入境的压力下，中国国有四大商业银行改革步伐究竟应迈向何方
Firstly , credit risk is summarized , and some credit risk measurement models , which are popular in foreign banks , are introduced and evaluated . at the same time , the applicability of these models employed in china is analyzed objectively 首先，本文对信用风险以及信用风险的量化进行了概述，并介绍和评价了国外银行目前流行的信用风险度量模型，同时客观地分析了它们在我国现阶段的可适用程度。
By starting from the meaning and the characters of the credit risk , we can know our bank loan classification is different from foreign banks . correspondingly , the thesis points out that our work is mainly to reduce and control non - performing loan 文章从信贷风险的含义和特征入手，指出我国银行对风险贷款分类不同于国外银行风险贷款的分类，进而得出我国银行防范和化解银行信贷风险，主要是降低或控制不良贷款。
Credit risk measurement is the base of credit management , which is the kernel of bank management . because of a large amount of bad property in bank and the competition with foreign banks , the improvement of credit risk measurement level become the important project for domestic banks 信用风险是我国商业银行当前面临的重要风险之一,银行大量的不良资产和国外银行的竞争,使得提高银行的信用风险管理水平成为我国银行业面临的重要课题。
The thesis starts off the theory base that the bancassurance come into being , and draws lessons from the foreign bancassurance well - developed experience , consults the bancassurance of china developing actuality at the moment , analyses the different patterns of the bancassurance , points out the distinct distinguishing feature of different development patterns , and finally obtains the conclusion : the pattern fitting for bancassurance development of china is holding company 本文的目的就是通过分析银行保险的产生、发展历程，探讨我国银行保险未来发展模式。本文首先从银行保险产生的理论基础和动因出发，借鉴国外银行保险发展的先进经验，结合我国目前银行保险的发展现状，分析了银行保险发展的各种模式。
