我国商业银行个人理财业务探析

发布时间：2018-03-01 10:49

本文关键词： 个人理财业务中美理财业务现状问题及对策发展前景　出处：《河南大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着社会的进步，人民生活水平的提高，人们的投资理财观念也发生很大变化，许多人不再想使用传统的储蓄方式，而是希望有新的投资理财方式的出现。商业银行的个人理财产品就在这时应运而生。理财业务不仅仅在银行利润来源中占据显著比例，也是商业银行持续发展的动力。相比于较低的存款利息，，个人理财产品一经推出就大受欢迎。中国的商业银行的第一款银行理财产品发行于2004年,这不但使投资者增添了一种新的投资手段，也为理财市场增添了新的活力。此后，商业银行理财产品进入急剧发展的阶段，商业银行的收入组成也变成了四大部分，即“存、贷、汇”和“理财业务”。2013年，个人理财产品的发行数量和发行规模均超越了历史水平，达到新的高度，互联网理财产品的活跃令个人理财市场竞争呈白热化[1]。近年来，国家大力推广金融市场改革，开放更多之前禁止商业银行涉及的业务，商业银行个人理财产品在金融市场改革和信息技术高度成熟的便利条件下发展更加顺利。中国国民财富急剧扩张，与此同时商业银行也面临经营结构转型和多元化经营的需求，因此我国的个人理财业务市场发展空间非常广阔。我国的个人理财产品一直在坚持不懈地求异创新,在市场上也受到广大投资者的热烈欢迎。依靠商业银行在风险控制和产品营销上具有的得天独厚的优势,个人理财产品的市场的发展前景也更商业银行被看好[2]。个人理财在为商业银行增加了新的利润点的同时也改善了银行整体收支结构，对商业银行的核心竞争力的提升具有很大帮助。个人理财市场蓬勃发展的同时也面临了不少问题，在全球经济一体化的背景下，我国商业银行与个人理财相关的业务的投资方向肯定会面向国外市场，在个人理财产品诞生伊始我国熟悉国际交易规则并能维护自身合法权益的专业金融人才比较少，难以满足理财业务市场国际化发展的要求。但是各家商业银行已经认识到这一问题，并为此作出努力。2002年中美金融策划论坛在北京举行，我国开始与国际CFP组织接洽培养中国的国际金融理财师事宜。截至2012年6月底，我国获得CFP资格证人数为14152人，但这一人数仍不能满足我国金融机构对于国际金融理财专业才的需求。各大商业银行仍需将积极培养专业人才作为员工培养的重点工作来执行。本文先介绍了个人理财业务的概念，使读者对于个人理财有初步的理解，接着描述了个人理财业务市场目前的发展状况及美国发展较成熟个人理财业务对我国的借鉴意义，并对发展过程中遇到的困境与问题作出分析，在这种基础上为个人理财产品市场的更好发展提出建议及对策并对未来的理财也如市场的发展做出展望。
[Abstract]:With the progress of society and the improvement of people's living standard, people's concept of investment and financial management has also changed greatly. Many people no longer want to use the traditional way of saving. It is the hope that new ways of investment and financing will emerge. The personal financial products of commercial banks come into being at this moment. Financial management business not only accounts for a significant proportion of the bank's profit sources. It is also the driving force for the sustained development of commercial banks. Compared with lower deposit interest rates, personal financial products are very popular once they are launched. China's commercial banks launched their first bank wealth management products in 2004. This not only adds a new investment means to investors, but also adds new vitality to the financial management market. Since then, the financial products of commercial banks have entered a stage of rapid development, and the income composition of commercial banks has also become four major parts, that is, "savings," In 2013, the number and scale of the issuance of personal financial products exceeded the historical level and reached a new height. The active Internet financial products have intensified the competition in the personal finance market [1] in recent years. The state has vigorously promoted the reform of the financial market, opened up more businesses that were previously prohibited from commercial banks, and the personal financial products of commercial banks have developed more smoothly under the convenient conditions of financial market reform and highly mature information technology. While China's national wealth has expanded rapidly, commercial banks are also facing the need for structural transformation and diversification. Therefore, the market for personal finance business in China has a very broad development space. Our personal financial products have been persistently seeking for differences and innovations. It is also warmly welcomed by the majority of investors in the market. Relying on the unique advantages of commercial banks in risk control and product marketing, The market for personal financial products is also more promising for commercial banks [2]. Personal finance not only adds new profit points to commercial banks, but also improves the overall structure of the banks' income and expenditure. It is of great help to enhance the core competence of commercial banks. While the personal finance market is booming, it is also facing many problems. Under the background of global economic integration, the investment direction of our commercial banks' business related to personal finance will certainly be oriented to foreign markets. At the beginning of the birth of personal financial products, there were relatively few financial professionals in China who were familiar with the rules of international transactions and were able to safeguard their legitimate rights and interests. It is difficult to meet the requirements of the internationalization of the financial management business market. However, commercial banks have recognized this problem and made efforts to do so. In middle of 2002, the US Financial Planning Forum was held in Beijing. China began to approach the International CFP Organization to train China's international financial planner. By the end of June 2012, the number of people in our country who had obtained the CFP qualification certificate was 14152. However, this number still can not meet the needs of our financial institutions for international financial professionals, and the major commercial banks still need to actively train professional personnel as the focus of staff training to carry out. This paper first introduces the concept of personal finance business, so that readers have a preliminary understanding of personal finance, and then describes the current development of personal finance business market and the development of more mature personal finance business in the United States for reference to our country. Based on the analysis of the difficulties and problems encountered in the process of development, this paper puts forward some suggestions and countermeasures for the better development of the market of personal financial products, and makes a prospect for the future financial management, such as the development of the market.
【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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