我国商业银行个人理财业务的现状及问题研究

发布时间：2019-02-08 20:26

【摘要】：伴随着我国GDP逐年增长,广大人民群众的收入也日益提高,在金融界也展开了激烈的。居民理财意识和理财概念也进一步增强,同时我国的各大银行也逐渐向商业银行转变并且在不断加强,一方面为了满足市场的需求,个人理财业务的兴起促进了商业银行的发展,另一方面,这种发展机遇也促使各大商业银行之间的相互竞争日趋激烈,众多银行都想通过这一点为自身谋求进步空间。尽管个人理财业务发展未来如此光明,但我国理财业务还处于刚刚发展的阶段,并受到来自金融法规、管治及市场等众多方面的约束,在个人理财业务快速发展的同时也产生了一些因快速发展而带来的问题,这些问题也是需要亟待解决的。本文首先介绍了商业银行在我国的发展演变历程,并介绍商业银行目前的发展状况,然后在此基础上引出个人理财业务,对个人理财业务的国内外发展作了介绍,并提出目前存在的问题以及改正的建议,以便今后更加健全。所以,本文是从我国商业银行个人理财业务的概念、产品特征、发展状况这三个方面进行了介绍,然后对值得关注的问题展开分析,探究如何解决这些问题,接着对个人理财业务的未来发展方向进行了相关论述,对促进我国商业银行市场的发展有一定借鉴意义。
[Abstract]:With the increasing of GDP year by year, the income of the people is increasing day by day. Residents' awareness of financial management and the concept of financial management have also been further strengthened. At the same time, the major banks in our country have gradually changed to commercial banks and are constantly strengthening. On the one hand, in order to meet the needs of the market, The rise of personal financial services promotes the development of commercial banks. On the other hand, this kind of development opportunities also promote the competition between the major commercial banks increasingly fierce, many banks want to seek for their own room for progress through this point. Although the future of personal finance business is so bright, our financial management business is still in a new stage of development, and is constrained by many aspects, such as financial regulations, governance and the market. Along with the rapid development of personal finance business, there are some problems brought about by the rapid development, and these problems need to be solved urgently. This paper first introduces the development and evolution of commercial banks in China, and introduces the current development of commercial banks, then leads to personal finance business, and introduces the development of personal finance business at home and abroad. And put forward the existing problems and suggestions for correction in order to be more sound in the future. Therefore, this paper introduces the concept, product characteristics and development of personal finance business of commercial banks in China, and then analyzes the problems that deserve attention, and explores how to solve these problems. Then it discusses the future development direction of personal finance business, which has certain reference significance to promote the development of commercial bank market in our country.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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