中国商业银行发展个人理财业务对策研究

发布时间：2018-05-09 17:13

本文选题：商业银行 + 个人理财　；参考：《辽宁大学》2014年硕士论文

【摘要】：随着我国经济不断发展，居民收入及个人可支配收入不断增加。对于如何更加有效地进行理财，我国居民的诉求越来越多。面对这种不断扩大的理财业务需求，我国商业银行的个人理财业务得到了进一步的发展，并且通过不断的努力达到了一定的水平。但是，2007年金融危机爆发后，全球经济遭遇了沉重打击，我国的银行业也深受其害。其中商业银行的个人理财业务的发展同样不容乐观。一方面，商业银行内部对个人理财业务的服务中存在很多问题。另一方面，近年中国的金融市场不断发展，体制改革不断深化，，银行业开放市场竞争越发激烈。比如2013年以阿里巴巴旗下“余额宝”为首的一批互联网金融不断抢占传统银行市场，加剧了银行吸收负债资金的困境。在这种形势下，我国商业银行应该加强对个人理财业务的系统研究，制定出具有针对性和创新性的理财产品，增强在市场中的核心竞争力，以确保我国商业银行个人理财业务的规范性，并不断快速的发展。本文通过理论与实践相结合的方法，对我国商业银行个人理财业务进行了深入的研究，其中指出我国商业银行现有理财产品存在的问题和风险。通过借鉴外国银行的先进经验，融合国际经验与我国银行业实际情况，提出具有针对性的对策，希望能为我国商业银行的个人理财业务的发展找到新的突破口。文章第一部分介绍了选题背景与意义、研究方法以及文献综述。第二部分在阐述商业银行个人理财界定以及发展意义的基础上，阐述了理财业务的相关理论背景。第三部分介绍了我国个人理财产品的发展、分析了我国商业银行个人理财业务的现状及其特点。第四部分从典型发达国家该类业务的市场开展和经营中总结出先进的发展途径和能够为我所用的经验。第五部分是对策建议，为我国商业银行个人理财业务的未来发展提出明确的前进方向。
[Abstract]:With the development of our economy, the income of residents and personal disposable income is increasing. There are more and more demands of Chinese residents on how to manage financial affairs more effectively. In the face of this expanding financial business demand, the personal financial business of commercial banks in China has been further developed, and through continuous efforts to achieve a certain level. However, after the financial crisis broke out in 2007, the global economy suffered a heavy blow. Among them, the development of commercial bank's personal finance business is not optimistic. On the one hand, there are many problems in the service of personal finance business in commercial banks. On the other hand, in recent years, China's financial market has been developing, the system reform has been deepened, and the open market competition of the banking industry has become more and more fierce. In 2013, for example, a group of Internet finance led by Alibaba's Yu'e Bao continued to seize the traditional banking market, exacerbating banks' difficulties in absorbing debt funds. In this situation, the commercial banks of our country should strengthen the systematic research on personal finance business, formulate targeted and innovative financial management products, and enhance their core competitiveness in the market. In order to ensure the standardization of personal finance business of commercial banks in China, and continue to develop rapidly. Through the combination of theory and practice, this paper makes a deep study on the personal finance business of commercial banks in China, and points out the problems and risks existing in the existing financial products of commercial banks in China. By drawing lessons from the advanced experience of foreign banks, combining international experience with the actual situation of China's banking industry, this paper puts forward targeted countermeasures, hoping to find a new breakthrough for the development of personal finance business of commercial banks in China. The first part of the article introduces the background and significance of the topic, research methods and literature review. In the second part, on the basis of the definition and development significance of personal financial management of commercial banks, the related theoretical background of financial management business is expounded. The third part introduces the development of personal finance products in China, and analyzes the present situation and characteristics of personal finance business of commercial banks in China. The fourth part sums up the advanced development way and the experience which can be used by us from the market development and management of this kind of business in the typical developed countries. The fifth part is the countermeasures and suggestions, which provides a clear direction for the future development of personal finance business of commercial banks in China.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

【参考文献】