我国商业银行个人理财业务研究

发布时间：2018-03-24 18:51

本文选题：个人理财　切入点：个人理财产品　出处：《首都经济贸易大学》2011年硕士论文

【摘要】：我国商业银行的个人理财业务是在20世纪90年代中后期开始逐渐发展起来的,时至今日,一个新兴的、发展迅速的竞争性理财市场在中国已初具规模,个人理财热潮正席卷大江南北。它不仅影响着中国金融机构的资产负债结构和经营绩效,以及货币政策的运行效率,而且深刻影响着中国的理财文化,以及公众的金融意识,金融产品供求双方对理财市场的关注与参与达到了前所未有的高度。从整体上来看,中国理财市场呈快速和健康发展的态势,但是,由于外部环境及内在体制的限制,使得个人理财业务的发展仍存在一些问题。本文首先通过对个人理财业务的国际国内发展状况进行分析,得出了当前国内商业银行发展个人理财业务存在的问题主要体现在以下几个方面：一是理财业务开展的外部环境尤其是金融体系环境尚需改善；二是客户关系管理能力有待提高,尤其在客户维护和客户增值服务方面比较欠缺；三是理财业务的模式仍以产品作为中心,未能真正体现“为客户量身定做”的理念；四是理财业务的架构、流程有待完善；五是开展理财业务的人才储备缺乏。本文通过对这些问题进行深入分析,并结合国外商业银行成功的经验,针对性的提出了具体的建议和措施,通过这些措施,力求对我国继续加快推进个人理财业务的创新发展提供帮助和建议。
[Abstract]:The personal finance business of commercial banks in China began to develop gradually in the middle and late 1990s. Up to now, a new and rapidly developing competitive financial management market has taken shape in China. The upsurge in personal finance is sweeping across the river. It not only affects the structure of assets and liabilities and the operational performance of Chinese financial institutions, as well as the operational efficiency of monetary policy, but also has a profound impact on China's financial management culture and the public's financial awareness. The attention and participation of the supply and demand sides of financial products to the financial management market has reached an unprecedented height. On the whole, the financial management market in China is developing rapidly and healthily. However, due to the external environment and the restriction of the internal system, There are still some problems in the development of personal finance business. First of all, this paper analyzes the international and domestic development of personal finance business. It is concluded that the problems existing in the development of personal finance business in domestic commercial banks are mainly reflected in the following aspects: first, the external environment for the development of financial services, especially the financial system environment, still needs to be improved; Second, the ability of customer relationship management needs to be improved, especially in the aspects of customer maintenance and customer value-added service, the third is that the mode of financial management is still product-centered and fails to truly reflect the concept of "customizing for customers". The fourth is the structure of financial management business, the process needs to be improved, and the fifth is the lack of talent reserve to carry out financial management business. This paper analyzes these problems in depth, and combines the successful experience of foreign commercial banks. Specific suggestions and measures are put forward, through these measures, to continue to speed up the development of personal finance business to provide help and advice.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：F832.2

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