工商银行个人理财业务及产品的发展现状问题及对策

毕业论文(设计)

论文题目：工商银行个人理财业务及产品的发展现状、问

题及对策

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工商银行个人理财业务及产品的发展现状、问题及对策

摘要

随着我国社会经济的快速发展，居民生活水平不断提高，个人可支配收入迅速增长。在个人财富不断积累的同时，人们开始更多地关注自身的财务状况，客观上产生了个人理财需求，进而催生了工商银行的个人理财业务。工商银行作为国内最早推出个人理财业务的工商银行之一，已经初步形成了具有一定影响力的个人理财业务品牌。个人理财业务最早出现在瑞士，之后在美国、欧洲以及亚洲的日本、香港等经济发达国家和地区获得了迅速的推广，现已成为世界各大银行的一项主要业务。在巨大的市场需求和机遇面前，包括银行在内的各种金融机构纷纷挖掘自身潜力和优势，加大科技投入，建立个人理财平台，积极抢占个人理财市场，使个人理财的市场竞争日趋激烈。本文针对我国工商银行个人理财现状，对比发达国家和地区发展概况，陈述我国存在的问题，找出其制约因素，最后提出问题的解决措施，探讨我国工商银行应该如何开展个人理财业务。

关键词：工商银行；现状；问题；策略

Abstract

Along with the rapid development of social economy in our country, the continuous improvement of living standards, personal disposable income is growing rapidly. In personal wealth accumulated at the same time, people began to pay more attention to its financial situation, objectively produced personal financial needs, and expedites the emergence of the industrial and Commercial Bank of the personal financial management business, industrial and Commercial Bank of China as the first to launch one of the industrial and Commercial Bank of personal financial services, has been initially formed with a certain influence of personal financial services brand. Personal financial business the first appeared in Switzerland. After in the United States, Europe and Asia, Japan, Hong Kong, and other economically developed countries and regions won the rapid promotion, is now Become one of the main business of the large banks all over the world. In front of the huge market demand and opportunities, including banks, financial institutions have to dig its potential and advantages, increase investment in science and technology,

establish personal finance platform, actively seize the personal finance market, so that personal financial market competition becomes increasingly fierce. In this paper, according to the China Industrial and commercial bank personal financial situation, compared with the developed countries and regions in the development of the situation, stating the problems existing in our country, find out the restriction factors, finally puts forward the measures to solve the problem, to industrial and Commercial Bank of China should be how to develop the personal financial management business.

Key words:Industrial and Commercial Bank of China; current situation; problem; strategy

目录

摘要 (2)

1绪论 (6)

1.1研究目的及意义 (6)

1.1.1研究目的 (6)

1.1.2研究意义 (6)

1.2研究背景及问题的提出 (6)

1.2.1研究背景 (6)

1.2.2问题的提出 (6)

2个人理财业务的概念及分类 (6)

2.1个人理财业务的概念 (6)

2.2个人理财业务的分类 (7)

2.3人理财服务特点 (7)

3我国工商银行个人理财业务的风险分析 (8)

3.1 法律风险 (8)

3.2 声誉风险 (8)

3.3 利率和汇率风险 (9)

3.4 从业人员的操作风险 (9)

4工商银行个人理财业务发展现状 (10)

4.1个人理财业务的发展历程 (10)

4.2个人理财业务的结构 (10)

4.3个人理财业务的特点 (11)

5工商银行个人理财业务面对的问题及其原因 (11)

5.1工商银行个人理财业务的问题 (11)

5.2工商银行个人理财业务的问题的原因 (12)

5.2.1我国现阶段金融制度、法律法规的制约 (12)

5.2.2现阶段我国金融市场不发达 (13)