洛阳农村信用社个人理财业务发展研究

发布时间：2018-06-30 01:08

本文选题：农村信用社 + 个人理财　；参考：《郑州大学》2013年硕士论文

【摘要】：如今,随着经济的快速发展和城乡一体化加快,发展农村个人财富管理业务具有重要的意义,它不仅可以拓宽农民增收渠道,也有利于农村金融市场的完善,从长远来看,还能促进社会主义新农村建设。洛阳农村信用社作为农村金融的主力军,却至今未开办个人理财业务。为探索洛阳农村信用社个人理财业务的发展思路,本文利用文献分析、调查研究、实证分析等研究方法,对与个人理财业务有关的国内外文献进行分析,详细调查洛阳农村信用社业务发展状况,对洛阳农村信用社发展个人理财业务时具有的优势和存在的问题进行了详细分析,并对国内商业银行个人理财业务发展的特征的进行研究借鉴。在此基础上,指出洛阳农村信用社发展个人理财业务的意义,根据洛阳农村信用社在个人理财业务发展中存在的主要问题,提出具体的发展策略。本文从四个方面提出了洛阳农村信用社发展个人理财业务的具体发展策略,分别是个人理财产品研发、理财产品营销、理财产品评价以及个人理财业务风险控制。本文分为五部分：第一章是前言,主要论述论文的研究背景和意义,介绍论文的研究思路、方法以及论文的内容和框架,分析国内外相关文献；第二章和第三章分析了洛阳农村信用社个人理财业务发展状况,以及发展个人理财业务面临的问题；第四章从四个方面提出洛阳农村信用社个人理财业务的发展策略；随后对论文进行了总结,指出论文的不足,对未来发展个人理财业务提出建议。
[Abstract]:Nowadays, with the rapid development of economy and the acceleration of urban-rural integration, it is of great significance to develop the business of individual wealth management in rural areas. It can not only broaden the channels for farmers to increase their income, but also be conducive to the improvement of the rural financial market. In the long run, It can also promote the construction of a new socialist countryside. Luoyang Rural Credit Cooperative, as the main force of rural finance, has not set up personal finance business. In order to explore the development of personal finance business of Luoyang Rural Credit Cooperative, this paper analyzes the domestic and foreign documents related to personal finance business by using the methods of literature analysis, investigation and empirical analysis. The development situation of Luoyang Rural Credit Cooperatives is investigated in detail, and the advantages and problems of Luoyang Rural Credit Cooperatives in the development of personal finance business are analyzed in detail. And domestic commercial banks personal finance business development characteristics of the study. On this basis, this paper points out the significance of the development of personal finance business in Luoyang Rural Credit Cooperative, and puts forward specific development strategies according to the main problems existing in the development of personal finance business in Luoyang Rural Credit Cooperative. This paper puts forward the specific development strategies of Luoyang Rural Credit Cooperative to develop personal finance business from four aspects, namely, personal finance product research and development, financial product marketing, financial product evaluation and personal finance business risk control. This paper is divided into five parts: the first chapter is the preface, mainly discusses the research background and significance of the paper, introduces the research ideas, methods, content and framework of the paper, and analyzes the relevant literature at home and abroad; The second and third chapters analyze the development of personal finance business of Luoyang Rural Credit Cooperative, and the problems faced by the development of personal finance business, the fourth chapter puts forward the development strategy of personal finance business of Luoyang Rural Credit Cooperative from four aspects. Then the paper summarized, pointed out the shortcomings of the paper, and put forward suggestions for the future development of personal finance business.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

【参考文献】