河北省农村信用社个人理财业务发展策略研究

发布时间：2018-04-12 21:47

本文选题：河北省农村信用社 + 个人理财　；参考：《河北工程大学》2015年硕士论文

【摘要】：随着中国经济快速稳定的发展,京津冀一体化建设进一步加快,河北省居民的收入水平也在不断提高。居民手里有了钱,开始关注投资理财、信托服务、外汇市场、个人保险和网络理财产品等。信用社以前简单的存款、贷款和结算业务已经无法满足人们对金融服务的需求。央行自2014年以来多次降准降息,储蓄利率持续降低,今年股市的暴涨暴跌,引起百姓对股市失去了信心,更多的居民选择了风险较低、收益较高的理财产品。个人理财业务的开展对河北省农村信用社来说是一个千载难逢的好机遇。河北省农村信用社作为农村金融的主力军,其个人理财业务尚处于起步阶段,个人理财业务还有许多不足的地方,因此,对其个人理财业务进行研究具有现实的指导意义。本文首先介绍了国内外个人理财业务的相关理论,为后面的研究奠定理论基础;其次阐述了我国个人理财业务的发展现状和特点,为研究信用社的个人理财业务提供背景支持;然后对河北省农村信用社发展个人理财业务现状和问题进行分析;通过借鉴国内外银行发展个人理财业务的成功经验,提出了一套与河北省农村信用社现行体制相适应的发展策略。
[Abstract]:With the rapid and stable development of China's economy, the integration of Beijing, Tianjin and Hebei has been further accelerated, and the income level of residents in Hebei Province has been rising.With money in hand, residents began to focus on investment, trust services, foreign exchange markets, personal insurance and online wealth management products.Credit unions used to have simple deposits, loans and settlement operations that failed to meet the needs of financial services.The central bank has cut interest rates several times since 2014, and savings rates have continued to fall. The stock market has plummeted this year, causing people to lose confidence in the stock market, with more residents choosing lower-risk, higher-yielding wealth management products.The development of personal finance business is a rare opportunity for Hebei Rural Credit Cooperatives.As the main force of rural finance, Hebei Rural Credit Cooperative is still in the initial stage of its personal finance business, and there are still many deficiencies in the personal finance business. Therefore, it is of practical significance to study the personal finance business of Hebei Province.This paper first introduces the relevant theories of personal finance business at home and abroad, which lays a theoretical foundation for the later research; secondly, expounds the development status and characteristics of personal finance business in China, and provides background support for the study of personal finance business of credit cooperatives.Then it analyzes the current situation and problems of the development of personal finance business in Hebei rural credit cooperatives, and draws lessons from the successful experience of domestic and foreign banks in the development of personal finance business.This paper puts forward a set of development strategies suitable to the current system of Hebei Rural Credit Cooperatives (RCCs).
【学位授予单位】：河北工程大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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