中美个人理财业务的对比分析

发布时间：2018-01-20 03:43

本文关键词： 个人理财金融创新案例研究　出处：《华中师范大学》2012年硕士论文　论文类型：学位论文

【摘要】：我国经济蓬勃健康发展,居民可自由支配的财富增长地越来越迅速,个人理财行业在金融市场中也日益显示出不可忽视的重要性。然而与金融行业发达,理财业务发展迅猛的美国相比较,我国的个人理财业务只能是在基础阶段。本文运用了对比分析的方法,列举了真实的理财案例,思考得出了我国个人理财业务的改革亮点和创新之处。本文首先从概念、意义、内容和品种上介绍了个人理财业务；其次将中美个人理财业务的发展情况进行了详尽的对比分析,即对两国发展所经历的过程、理财业务市场化程度比较,金融产品的种类比较、投资监管合规化程度进行比较和探讨；第三思考了中国个人理财业务的制约因素主要有金融政策及市场化环境的局限、客户管理信息化的局限、金融创新的局限以及行业队伍建设的局限；第四引入了中美两个不同家庭的理财案例,通过其不同的投资渠道和理财理念而获得差异回报率进一步对比两国个人理财业务；最后思考得出关于我国个人理财业务发展的政策建议,即从经济开放和制度健全、客户服务及维护、理财产品创新以及队伍专业化建设和绩效考核层面进行,促进我国个人理财业务的较好发展。
[Abstract]:China's economic development, the residents' disposable wealth growth more quickly, the personal financial industry in the financial market is becoming more and more importance can not be ignored. However, with the financial industry developed, the rapid development of American financial services compared to the personal financial services of our country is only in the basic stage in this paper. By using the method of comparative analysis, lists the real financial case, thinking that China's personal financial business highlights the reform and innovation. This paper analyses the concept, significance, content and varieties introduced personal financial business; secondly the development of personal financial business in China makes a detailed comparison, i.e. the process of the experience for the development of the two countries, comparing the financial services level of the market, more types of financial products, investment regulatory compliance degree were compared and discussed; third thought Restricting factors of personal financial services China main financial policies and market environment limitations, customer information management limited, financial innovation limitation and industry building limitations; fourth introduces two different family financial case of Sino US, through its different investment channels and financial management concepts and differences in returns further contrast between the two countries personal financial services; finally, thinking that on the development of personal financial business of China's policy recommendations, namely from the open economy and sound system, customer service and maintenance, financial product innovation and team construction and the professional performance level, to promote better development of China's personal financial business.

【学位授予单位】：华中师范大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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