绵阳市商业银行个人理财业务发展研究

发布时间：2018-03-01 11:25

本文关键词： 绵阳市商业市银行个人理财业务发展　出处：《西南科技大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着我国经济的持续稳定发展,居民收入不断增加,人们对个人理财产品的需求也急速增长,面对个人理财业务巨大的发展潜力和空间,各家银行相继推出各种理财计划,吸引客户眼球。仅2013年,全国各家银行发行的理财产品数量总计就达到了44983款,较2012年增长38.81%。回顾近五年的情况,应该是又创下了一个历史新高。另一方面,随着“余额宝”、“财付通”等新兴网络个人理财业务的迅速崛起,以及民营银行的不断发展,传统银行所面临的个人理财业务的竞争压力也越来越大。因此,如何加强理财产品的开发创新能力,将个人理财产品做大、做强,使之能在如今竞争异常激烈的理财市场上占有一席之地,是各家金融机构迫切需要解决的问题。本文遵循从理论到实际的思路,首先阐述介绍了本文的选题背景、意义、研究内容和研究方法等;然后介绍个人理财业务的相关理论知识,包括理财业务的概念、种类、特点等;第三部分论述我国个人理财业务发展的现状、存在的问题及发展趋势;最后一部分作为本文的重点分析绵阳市商业银行理财个人理财特务发展的现状,提出相应的改进措施。因为本人就在绵阳市商业银行工作,可以利用工作之便,对本行个人理财业务的相关资料进行综合,因此,这篇论文的主要研究方法是调查研究法,在广泛收集相关的市场信息和行业信息,并将收集到的资料、数据以及观点,经过整理、归纳和统计分析,揭示规律性,从而对绵阳市商业银行的个人理财业务提出有用建议。其次还用到对比分析法和文献归纳法。本文主要是针对目前我国商业银行个人理财业务的发展现状,结合理财业务及其产品的相关理论知识,对绵阳市商业银行个人理财业务的开展情况进行调查分析,进而为绵阳市商业银行个人理财业务的发展提出具体有效的发展建议。
[Abstract]:With the sustained and stable development of our country's economy, the residents' income is increasing, and the demand for personal financial products is also growing rapidly. In the face of the huge development potential and space of personal finance business, banks have launched various financial management plans one after another. In 2013 alone, the number of wealth management products issued by banks across the country reached 44983, an increase of 38.81from 2012. Looking back at the past five years, it should be another record. With the rapid rise of "Yu'e Bao", "Tenpay" and so on, as well as the continuous development of private banks, traditional banks are facing more and more competitive pressure of personal finance business. How to strengthen the ability of development and innovation of financial management products, to make personal financial products bigger and stronger, so that they can occupy a place in the extremely competitive financial management market. This paper follows the train of thought from theory to practice, first of all, it introduces the background, significance, research content and research methods of this paper. Then introduces the relevant theoretical knowledge of personal finance business, including the concept, types, characteristics, etc. The third part discusses the current situation, existing problems and development trends of personal finance business in China. The last part, as the focus of this paper, analyzes the current situation of the development of Mianyang commercial bank's personal financing agent, and puts forward the corresponding improvement measures. Because I am working in Mianyang City Commercial Bank, I can make use of my work. Therefore, the main research method of this paper is to investigate and research the relevant market information and industry information, and to collect the data, data and viewpoints. Through collation, induction and statistical analysis, to reveal the regularity, And then put forward some useful suggestions for the personal finance business of Mianyang commercial bank. Secondly, we also use the comparative analysis method and the literature induction method. This paper mainly aims at the current development situation of the personal finance business of the commercial banks in our country. Combined with the relevant theoretical knowledge of financial management business and its products, this paper makes an investigation and analysis on the development of personal finance business of Mianyang commercial bank, and then puts forward concrete and effective development suggestions for the development of personal finance business of Mianyang commercial bank.
【学位授予单位】：西南科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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