中国银行宁夏分行个人理财业务的发展研究

发布时间：2018-06-04 06:35

本文选题：中国银行 + 个人理财业务　；参考：《宁夏大学》2012年硕士论文

【摘要】：近年来,我国金融体制改革的进一步深入,银行业全面向世界开放,个人理财业务在我国作为一项新兴的金融服务,以其资源广,风险低,易操作,收益稳定日益成为了银行间业务发展竞争的重点。由于国情的限制,我国商业银行开展的个人理财业务在各方面与发达国家相比存在着巨大的差距和不足之处,尤其是在个人理财业务的积极性和业务创新方面远远落后于发达国家,在当今金融业日益走向国际化、金融竞争日益激烈的背景下,如何发展我国商业银行个人理财业务是摆在我们面前的一个崭新课题。笔者通过查阅大量的文献资料,从银监会、中国银行业协会等提供的大量公开资料中提炼的信息,结合专家论述和一些案例调研以及在中国银行宁夏回族自治区分行个人金融部的实际工作情况,采取规范研究与实证研究相结合方法,首先叙述了个人理财业务的必要性及意义,详细介绍了个人理财业务的理论基础,系统的介绍了中国银行宁夏区分行个人理财业务的现状,分析了其在发展过程中所面临的诸多问题。采用SWOT对中国银行宁夏分行现有的优势、劣势,面临的机遇和挑战进行了剖析,从而提出适合中国银行宁夏分行个人理财业务发展的建议。本文的研究是基于中国银行宁夏分行的个人理财业务,旨在对宁夏商业银行的个人理财业务起到有益的启示和借鉴作用。
[Abstract]:In recent years, with the further development of China's financial system reform, the banking industry is fully open to the world. As a new financial service in China, personal finance business is easy to operate because of its wide resources, low risk and easy operation. Income stability has increasingly become the focus of inter-bank business development and competition. Because of the limitation of the national conditions, the personal finance business carried out by commercial banks in our country has a huge gap and shortcomings compared with the developed countries in all aspects. Especially in the enthusiasm of personal finance business and business innovation far behind the developed countries, in today's financial industry is increasingly international, financial competition is becoming increasingly fierce background, How to develop personal finance business of commercial banks in China is a new subject in front of us. By consulting a large number of documents, the author extracts information from a large number of public materials provided by the Banking Regulatory Commission and the China Banking Association. Combining with the expert discussion and some case studies, as well as the actual work of the personal Finance Department of the Ningxia Hui Autonomous Regional Branch of the Bank of China, the method of combining normative research with empirical research is adopted. First of all, it describes the necessity and significance of personal finance business, introduces the theoretical basis of personal finance business in detail, and systematically introduces the current situation of personal finance business in Ningxia District Branch of Bank of China. Many problems in the process of development are analyzed. This paper analyzes the advantages, disadvantages, opportunities and challenges of Ningxia Branch of Bank of China by using SWOT, and puts forward some suggestions for the development of personal finance business of Ningxia Branch of Bank of China. The research of this paper is based on the personal finance business of Ningxia Branch of Bank of China, aiming at providing useful inspiration and reference to the personal finance business of Ningxia Commercial Bank.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【参考文献】