我国商业银行个人理财业务研究

我国商业银行个人理财业务研究

篇一：我国商业银行个人理财业务发展研究摘要我国在改革开放以后，生活水平得到了很大的改善，人们逐步走向小康生活，个人理财在我国当前社会极度匮乏。面临如此大的市场需求，我国商业银行在开展个人理财业务过程中显得异常乏力。然而，通过为客户提供理财服务，为客户指定财务管理的目标和计划，商业银行在获得相应报酬的同时能够有效的提高自己在市场中的地位，能够进一步促进商业银行个人理财业务的发展。因此，对我国商业银行个人理财业务发展进行研究显得尤为重要。本文对我国商业银行个人理财业务的概念及特点进行了简要说明，并对我国商业银行当前在个人理财业务方面存在的问题进行分析，提出相关的对策，促进我国商业银行个人理财业务的发展。关键字：商业银行；个人理财业务；发展；研究AbstractAfter the reform and opening up in China, much progress has been living standards, people gradually towards a well-off life, personal finance in our country, there was a terrible shortage of the current society. Facing such a large market demand, our country commercial bank in the process of personal finance business is extremely weak. By providing financial services to customers, however, for the customer to specify the goal of financial management and planning, commercial Banks in get corresponding remuneration at the same time, can effectively improve yourself in the position in the market, to further promote the

development of commercial bank personal financing business. Therefore, the study of our country commercial bank individual financing business development is particularly important. In this paper, the concept and characteristics of our country commercial bank individual financing business has carried on the brief description, and the current Chinese commercial Banks in terms of personal finance business analysis of existing problems, puts forward relevant countermeasures, promote the development of our country commercial bank individual financing business.Key words: commercial Banks; Personal financing business; Development; research目录摘要.............................................................. 1Abstract............................................................ 3一、绪论............................................................ 5（一）研究背景和意义............................................ 51、研究的背景................................................ 52、研究的意义................................................ 5（二）主要研究内容.............................................. 6二、商业银行个人理财业务介绍及其特点分析............................ 6（一）商业银行个人理财业务概述.................................. 6（二）商业银行个人理财业务的特点................................ 6三、我国商业银行个人理财业务中面临的问题分析........................ 7（一）产权与结构存在问题，战略转型的

内在要求持续加大............ 7（二）商业银行个人理财业务对个人顾问的依赖过度.................. 7（三）对客户需求了解不足，个人理财业务针对性不强................ 7（四）营销体系和定价机制不健全影响长远发展...................... 8（五）服务体系不健全影响业务质量................................ 9四、完善我国商业银行个人理财业务的措施.............................. 9（一）完善产权与治理结构，建立社会诚信体系..................... 10（二）减轻对外界依赖度......................................... 10（三）创造宽泛的金融环境....................................... 10（四）完善业务营销体系，加强风险管理........................... 10（五）加强差异化激励措施的运用................................. 11五、总结........................................................... 11参考文献：......................................................... 12附录.............................................................. 14 致谢.............................................. 错误！未定义书签。一、绪论（一）研究背景和意义1、研究的背景随着时代的发展和人们生活水平的提高，商业银行越来越注重个人理财业务的发展。从上世纪90年代开始，国际商业银行开展的业务当中个人理财业务所占的比重越来越大，并且从中获得的收益相当可观，使得商业银行中的个人理财业务得到了良好的发展。储蓄卡的推出表面我国商业银行个人业务的开始。伴随着改革开放的脚步，结合了新兴的各种高科技手段，我国商业银行