甘肃省农信社个人理财业务发展分析

发布时间：2018-07-05 00:12

本文选题：甘肃农村信用社 + 理财产品业务　；参考：《兰州大学》2015年硕士论文

【摘要】：目前,我国商业银行开始追求“以客户为中心”的营销理念,个人理财业务便逐步成为增强客户忠诚度、提高银行竞争力的一个有效手段,是商业银行面对利率市场化后一个有效增加收入的利器,更成为商业银行在市场竞争中立于不败之地的法宝。如今西方国家的个人理财业务已经进入成熟阶段,我国商业银行也越来越重视个人理财业务的发展,农村信用社作为农村金融的主力军也开始利用个人理财业务的优势来发展壮大自身的力量。同国内其他商业银行相比,我国农村信用社存在业务种类单一、信用风险大等限制性因素,尤其在开展个人理财业务上更凸显出更多的问题。甘肃农村信用社作为其中一员,也不可避免的存在许多需要解决的问题。本文首先描述了当前国内外商业银行理财产品的发展情况,并分析了甘肃农村信用社发展个人理财业务的的必要性及可行性,在此基础上重点对其发展的现状及存在的问题进行了研究,并提出一些可行性对策。旨在充分发挥甘肃农村信用社在农村市场的主导地位及在城市市场中占一席之地的优势,从而创新个人理财产品业务,实现增加居民收入来源及壮大自身力量的双赢局面。
[Abstract]:At present, the commercial banks of our country begin to pursue the "customer-centered" marketing concept, and personal finance business has gradually become an effective means to enhance customer loyalty and enhance the competitiveness of banks. It is a powerful weapon for commercial banks to increase their income effectively in the face of interest rate marketization, and it also becomes a magic weapon for commercial banks to be invincible in the market competition. Nowadays, the business of personal finance in western countries has entered a mature stage, and commercial banks in our country are paying more and more attention to the development of personal finance business. Rural credit cooperatives as the main force of rural finance also began to use the advantages of personal finance to develop their own strength. Compared with other commercial banks in China, the rural credit cooperatives of our country have many restrictive factors, such as the single type of business and the large credit risk, especially in the development of personal finance business more prominent problems. As one of the members, Gansu Rural Credit Cooperative inevitably has many problems to be solved. This paper first describes the development of financial products of commercial banks at home and abroad, and analyzes the necessity and feasibility of the development of personal finance business in Gansu Rural Credit Cooperatives. On this basis, the present situation and existing problems of its development are studied, and some feasible countermeasures are put forward. The purpose of this paper is to give full play to the dominant position of Gansu Rural Credit Cooperatives in the rural market and their advantages in the urban market so as to innovate the business of personal financial products and realize the win-win situation of increasing residents' income sources and strengthening their own strength.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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