中国农业银行内蒙古分行营业部个人理财业务发展研究

发布时间：2018-09-05 06:27

【摘要】：随着经济持续稳定发展,居民收入有了大幅度的增长,伴随而来的是人们对理财服务需求的日益增长,这意味着商业银行个人理财业务有着巨大的发展潜力和空间。但是,随着外资银行、地方性银行及股份制银行纷纷进入呼和浩特市,目前中国农业银行内蒙古分行营业部个人理财业务的发展远远跟不上市场需求的步伐,如何借鉴国际先进银行发展个人理财业务的经验,结合呼和浩特市实际情况,促进中国农行银行内蒙古分行营业部个人理财业务更好更快的发展,保持甚至进一步提高个人理财产品在金融市场占有率,是目前中国农行银行内蒙古分行营业部迫切需要解决的问题。论文以中国农业银行内蒙古分行营业部个人理财业务发展为研究对象,介绍了与商业银行个人理财业务相关概述及理论研究综述,系统分析了中国农行银行内蒙古分行营业部个人理财业务发展的现状,分析了制约农业银行个人理财业务发展中的宏观和微观方面的问题,以国外个人理财发展经验为鉴,介绍了瑞士银行和美国花旗银行个人理财业务方面的先进经验。针对中国农业银行内蒙古分行营业部发展个人理财业务存在的问题,从健全农业银行个人理财业务内部运行机制和完善其发展的外部环境两个方面提出了相应的对策建议。
[Abstract]:With the sustained and stable development of the economy, the income of the residents has increased by a large margin, accompanied by the growing demand for financial services, which means that commercial banks have great potential and space for personal financial services. However, with foreign banks, local banks and joint-stock banks entering Hohhot one after another, the development of personal finance business in the Inner Mongolia Branch of the Agricultural Bank of China is far from keeping up with the pace of market demand. How to learn from the experience of international advanced banks in developing personal finance business, and combining with the actual situation in Hohhot City, to promote the better and faster development of personal finance business of the Inner Mongolia Branch of Agricultural Bank of China, Maintaining and even further increasing the share of personal financial products in the financial market is an urgent problem to be solved by the Inner Mongolia Branch of Agricultural Bank of China. Taking the development of personal finance business of Inner Mongolia Branch of Agricultural Bank of China as the research object, this paper introduces the overview and theoretical research of personal finance business related to commercial bank. This paper systematically analyzes the present situation of the personal finance business development of the Inner Mongolia Branch of Agricultural Bank of China, analyzes the macro and micro problems in restricting the development of the personal finance business of the Agricultural Bank of China, and draws lessons from the experience of foreign countries in the development of personal finance business. This paper introduces the advanced experience of UBS and Citibank in personal finance business. In view of the problems existing in the development of personal finance business in Inner Mongolia Branch of Agricultural Bank of China, this paper puts forward corresponding countermeasures and suggestions from two aspects: perfecting the internal operating mechanism of personal finance business of Agricultural Bank of China and perfecting the external environment for its development.
【学位授予单位】：内蒙古农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

【参考文献】