我国商业银行个人理财业务创新性研究

发布时间：2018-02-13 01:05

本文关键词： 商业银行个人理财业务比较分析创新　出处：《山西财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：三十年改革开发，中国经济蓬勃发展，社会生活巨变。生活水平大幅提高，居民财富急速增加，，理财观念日渐增强，呼唤着国内个人理财业务的快速发展。加入WTO后,放宽对外资商业银行的准入标准,外资商业银行大规模纷纷进入，大力发展中间业务，中间业务成为各大银行的竞争焦点。而个人理财业务是中间业务的重要组成部分，对中间业务的贡献极大，成为各家银行竞相追逐的利润高地。然而，由于我国商业银行个人理财业务起步晚，目前仍处于发展的初级阶段。与国外成熟的个人理财业务相比，我国商业银行个人理财业务存在着政策、制度、法律、人才与技术等多方面的不足，存在着巨大的差距。因此迅速赶超我外商业银行，加快我国商业银行个人理财业务的发展，就要加大我国个人理财的创新力度，实现个人理财业务质的飞跃。本文首先对个人理财业务的内涵、种类及理论基础进行梳理，通过对中外资商业银行个人理财业务的发展状况进行全面的比较分析,明确我国个人理财业务发展的优势与不足，探究造成个人理财业务发展滞后的原因，剖析个人理财业务创新的必然性与制约因素，以此为基础结合我国的具体情况寻求借鉴之路，提出加快个人理财业务发展的改进方案,力求更好地促进我国个人理财业务持续、健康、快速发展。
[Abstract]:Three decades of reform and development, China's booming economy, great changes in social life, a substantial improvement in living standards, a rapid increase in residents' wealth, and a growing concept of financial management are calling for the rapid development of domestic personal finance business. After China's entry into the WTO, By relaxing the entry standards for foreign commercial banks, foreign commercial banks have entered one after another on a large scale, making great efforts to develop intermediary business, which has become the competitive focus of major banks. Personal finance business is an important part of intermediary business. The contribution to the intermediary business is great, becoming the high profit area that the banks chase each other. However, due to the late start of personal finance business of commercial banks in China, it is still in the primary stage of development. Compared with the mature personal finance business abroad, there are policies, systems, laws and regulations in the personal finance business of commercial banks in China. There is a huge gap between talent and technology. Therefore, to catch up with the foreign commercial banks and speed up the development of our commercial banks' personal finance business, we should increase the innovation of personal finance in our country. Achieve personal financial business quality leap. In this paper, the connotation, types and theoretical basis of personal finance business are firstly analyzed, and a comprehensive comparative analysis is made on the development of personal finance business of commercial banks in China and foreign countries. This paper clarifies the advantages and disadvantages of the development of personal finance business in China, probes into the reasons for the lag in the development of personal finance business, and analyzes the inevitability and restriction factors of personal finance business innovation. On the basis of this, combining with the specific situation of our country to seek the way for reference, this paper puts forward the improvement scheme of speeding up the development of personal finance business in order to better promote the sustained, healthy and rapid development of personal finance business in our country.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

【参考文献】