美、日商业银行个人理财业务研究

发布时间：2018-11-05 18:29

【摘要】：个人理财业务已成为发达国家商业银行业的主要服务，是个人与银行金融业紧密联系的重要纽带，也将会伴随着我国经济的快速增长和国民财富的不断积累，而呈现出生机勃勃的飞速发展态势。本文选取了金融业发展与监管方面均具有代表性的发达国家——美国、日本作为研究对象，分析了该两个国家个人理财业务发展的基础、过程和现状的特点，研究总结了美国、日本在发展个人理财业务上的一些可供我国借鉴的做法和特点，同时也通过对比，提出我国目前在该项银行业务上的优势、不足与建议，力求对我国商业银行理财业务的发展有一定现实促进意义。全文共分为五个部分：第一部分，阐述商业银行理财业务的概念性内容，，包括商业银行理财业务的相关界定,与商业理财业务有关的主要业务概念,以及理财产品的分类。其中理财产品的分类主要按产品的收益获得方式、投资风险性、结构层次设计、货币种类、期限以及是否为主流理财还是另类理财等来区分第二部分至第三部分，分别就美国、日本两国的商业银行理财业务发展历史、背景和现状进行分析研究。如美国于上世纪70年代伴随着银行业金融脱媒开始的商业银行理财业务发展；日本在上世纪90年代在受到外资银行激烈竞争冲击和通过金融大改革而开始的商业银行理财业务发展；美国商业银行对于客户服务的全面性和高科技化；日本商业银行针对其人口老龄化、少子化以及多灾难的国情为客户提供的大量带有保险功能的理财服务；日本商业银行对客户忠诚度和客户细分化的重视等。第四部分，总结出美国、日本商业银行理财业务的特点，如美国商业银行在理财业务发展上全球化的服务、丰富的产品种类、充分的人员配备、对投资者的保护等特点，日本商业银行在理财业务发展上集约化的运营、细分化的客户服务、结合国情的产品设计等特点。在分析特点的同时，通过举实例的方式使分析更为直观化，其中包括美国花旗银行全球领先的运营模式，日本朝日银行为提升客户忠诚度而对客户进行人生成长的全过程服务，日本大和银行针对日本中老年人群财富积累和投资理财需求的特点专项设计理财产品服务。在总结美国、日本这两个在商业银行理财业务发展特点的基础上，将其好的方面与我国目前的情况进行对比，提炼出对我国商业银行发展理财业务的一些启示，找出存在差距、避免走弯路、提高发展效率。第五部分，根据美国、日本商业银行理财业务对我国的启示，提出对我行发展该项业务的一些建议，包括在产品设计、业务创新、完善服务、人员配备、监管工作等方面。
[Abstract]:Personal finance business has become the main service of commercial banking in developed countries. It is an important link between individuals and banking industry. It will also be accompanied by the rapid growth of our economy and the accumulation of national wealth. And presents a dynamic and rapid development trend. This paper selects the representative developed countries in financial industry development and supervision, the United States and Japan, as the research object, analyzes the basis, process and current characteristics of the development of personal finance business in these two countries, and summarizes the characteristics of the United States. Some practices and characteristics that Japan can use for reference in the development of personal finance business in Japan. At the same time, through the comparison, the paper puts forward the advantages, disadvantages and suggestions of our country in the banking business at present. It is of practical significance to promote the development of financial management business of commercial banks in China. The paper is divided into five parts: the first part expounds the conceptual content of the commercial bank financial management business, including the definition of the commercial bank financial management business, the main business concepts related to the commercial financial management business, And the classification of financial products. Among them, the classification of financial products is mainly divided into the second to the third parts according to the way of obtaining the income of the product, the risk of investment, the design of structure level, the type of currency, the term and whether it is the mainstream or alternative financial management, etc. This paper analyzes the history, background and present situation of commercial bank financial management business in America and Japan. For example, the United States in the 1970s along with the banking financial disintermediation began the development of commercial banks financial services; In the 1990s, Japan began to develop the financial management business of commercial banks under the fierce competition of foreign banks and through the great financial reform, and American commercial banks' comprehensive and high-tech service to customers; In view of its aging population, minority children and the situation of multiple disasters, Japan Commercial Bank provides a large number of financial services with insurance function for its customers, and the Japanese commercial banks attach importance to customer loyalty and customer differentiation. The fourth part summarizes the characteristics of American and Japanese commercial banks' financial management business, such as American commercial banks' global services in the development of financial management business, rich product categories, adequate staffing, protection of investors, and so on. Japanese commercial banks in the development of financial management business intensive operation, differentiation of customer service, combined with the characteristics of the national product design. At the same time of analyzing the characteristics, the analysis is more intuitively analyzed by taking examples, including Citibank of the United States, the world's leading operating mode, and Asahi Bank of Japan, which serves the whole process of customer growth in order to enhance customer loyalty. Daiwa Bank of Japan designed financial products and services for the characteristics of wealth accumulation and investment financing needs of the elderly in Japan. On the basis of summing up the characteristics of the development of the financial management business of the commercial banks in the United States and Japan, this paper compares its good aspects with the current situation in our country, extracts some enlightenments for the development of the financial management business of the commercial banks in our country, and finds out the existing gaps. Avoid detours and improve development efficiency. The fifth part, according to the enlightenment of American and Japanese commercial banks' financial management business to our country, puts forward some suggestions for our bank to develop this business, including product design, business innovation, perfect service, staffing, supervision and so on.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F837.12;F833.13

【参考文献】