我国商业银行个人理财市场建设与发展路径分析

发布时间：2017-12-31 03:43

本文关键词：我国商业银行个人理财市场建设与发展路径分析　出处：《西南财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：商业银行个人理财业务是近年来被理论界和实务界持续探讨的热点问题,究其原因,在于我国商业银行的个人理财业务正在迅猛发展,这不仅是我国社会主义市场经济持续快速发展、居民收入水平提高和理财意识强化的必然结果,而且是商业银行自身发展的必然选择。本文首先阐述了商业银行个人理财业务的定义和理论基础,通过梳理发达国家或地区个人理财业务的产生和发展背景、总结其成熟的发展经验,在回顾我国商业银行个人理财业务发展历程的基础上,分析了我国商业银行个人理财业务的发展现状和存在的问题,在预测未来发展路径选择的同时提出了对我国商业银行个人理财业务的发展建议。商业银行个人理财业务发展的外在动力有两个方面,宏观上看,个人理财业务的发展有利于促进储蓄向投资的转化,从而促进国民经济健康平稳地发展；微观上看,个人对于资产保值增值和风险防范的要求为个人理财业务提供了广阔的市场需求。商业银行个人理财业务发展的内在动力是为了寻求新的利润增长点、实现资产优化配置、开拓新的投资渠道和方式、增加抵御和防范金融风险的能力。
[Abstract]:The personal financial services of commercial banks is a hot issue in recent years by the theorists and practitioners continue to explore, the reason is that China's commercial banks personal financial business is developing rapidly, it is not only our country socialist market economy rapid development, the inevitable result of residents' income level to improve and strengthen the awareness of financial management, and the inevitable choice of the development of commercial banks.
This paper first describes the personal financial management business of commercial banks of the definition and theoretical basis, through the background of creation and development of the personal financial business out of the developed countries or regions, summarizes their successful experience of development, based on a review of the development of personal financial business of commercial banks in China, analyzes the current development of the personal financial business of commercial banks in China and the problems in predicting the future development path selection and put forward proposals for the development of personal financial business of commercial banks in China.
The external motive force of the development of the personal financial services of commercial banks in two aspects, the macro perspective, the development of personal financial services is conducive to promoting the transformation of savings to investment, so as to promote the healthy and stable development of the national economy; the microcosmic view, for individual assets and risk prevention requirements for personal financial services provide a broad market demand. The inner force of the development of the personal financial services of commercial banks in order to seek new profit growth point, to achieve the optimal allocation of assets, open up new investment channels and ways to increase the ability to resist and prevent financial risks.

【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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