我国商业银行个人理财业务发展中存在的问题及对策毕业论文
毕业论文(设计)我国商业银行个人理财业务 发展中存在的问题及对策院系名称姓
名学 号专 业指导教师 年月日 摘 要 近年来，随着社会经济的高速发展，国内居
民财富得到迅猛增长。与此同时，国内居民也逐渐接受理财的观念，希望通过投资
理财使自己获得更多的财富。因此，我国国内商业银行的金融理财产品逐渐增多，
金融理财业务越来越扩大化，呈现从单一产品的推销向综合理财服务发展的趋势。
本文从分析我国商业银行个人理财业务的发展现状及存在的问题出发，在探讨国外
商业银行个人理财业务实践过程中成功经验的基础上，对国内外商业银行个人理财
业务的发展进行了对比分析。并以商业银行为主体，对我国个人理财市场存在的问
题，提出了关于我国商业银行个人理财业务发展的一些具体建议。国内商业银行要
想大力发展金融理财业务，突破现有模式的框架，就必须更新观念，树立以客户为
中心，以服务为导向的服务理念，创新经营机制，加强营呗裕哟蠓裉逑到ㄉ
瑁嘌ㄒ的理财人员，认真分析我国商业银行在个人理财产品研发与营销上的不 足，同时加强风险管理体系的建设。 关键词:商业银行;个人理财;业务发展 I Abstract In recent years with the high-speed development of social economy the wealth ofdomestic residents has increased rapidly. At the same time the domestic residents also acceptfinancial management idea gradually and they hope to make more money through thefinancial investment. Therefore some of the domestic commercial banks financial productsincreases gradually the financing business has also enlarged appearing a trend that developsfrom a single product sales to a comprehensive financial service. This article begins byanalyzing the development history and present situation of the personal financial managementbusiness in domestic on the base of discussing foreign commercial banks in personal financialservices’ success in the practice process and analysis the development by contrast andcomparison about our domestic and foreign commercial banks personal financing business.With the commercial banks as the main part this article put forward some concretesuggestions about the development of domestic commercial banks’ personal financingbusiness about our personal financing market existing problems. Thus if the domesticcommercial banks hope to develop financing business vigorously and make a breakthrough ofthe existing model framework they must renew the concept set up the customer-centric andservice- oriented idea innovate the management mechanism strengthen
the marketing strategyenlarge the construction of service system cultivate professional financial personnel analyzethe shortcomings in personal financial products research and development and marketing in ourcommercial banks carefully while strengthening the risk management system . Key words: Commercial banks ;
Personal Finance ; Business development II 目 录引
言 .................................................................... 1一、个人理财业务的基本内涵和理论基
础 ...................................... 2(一)个人理财业务的基本内 涵 .............................................. 2 1.理财业
务 ............................................................ 3 2.理财业务的发展 ...................................................... 3(二)个人理财业务的理论基
础 .............................................. 3 1.生命周期假说 ........................................................ 3 2.投资组合理论 ........................................................ 4 3.资本资产定价理
论 .................................................... 5二、商业银行个人理财业务的发展历程及现
状 .................................. 5(一)国外商业银行个人理财业务的发展及现
状 ................................ 5 1.国外商业银行个人理财业务的发展 ......................................
5 2.国外商业银行个人理财业务的现
状 ...................................... 6 3.国外商业银行个人理财业务的特点 ...................................... 7(二)我国商业银行个人理财业务的发展及现状 ................................ 8 1.我国商业银行个人理财业务的发
展 ...................................... 8 2.我国商业银行个人理财业务的现
状 ...................................... 9(三)国内外商业银行个人理财业务发展的对比分析 ............................ 9 1.个人理财业务所处的发展阶段不同 .....................................
10 2.理财产品完备性方面差距较
大 ......................................... 10 3.银行理财水平不同 ................................................... 11 4.个人理财服务品牌重视程度不同 ....................................... 11三、我国个人理财市场存在的问
题 ........................................... 12(一)制约个人理财业务发展的外部因素 ..................................... 12 1.金融业的分业经营 ................................................... 12
2.缺乏主体机构及运行机制保
障 ......................................... 12 3.个人理财市场的监管机制不完善 ....................................... 12(二)制约个人理财业务发展的内部因素 ..................................... 12 1.理财产品创新不足，创新机制不完
善 ................................... 12 2.忽略理财产品的长远利益 .............................................
13 3.缺乏高素质的理财人
员 ............................................... 13 4.缺少有力的系统支持，风险防范意识不够 ............................... 14 III四、我国商业银行个人理财业务发展对策研究 ................................. 14(一)加强客户理财意识，树立以客户为中心的服务理念 ....................... 14 1.加强客户理财意识 ................................................... 14 2.树立以客户为中心的服务理念 ......................................... 15(二)完善创新机制，提供差异化理财服
务 ................................... 15 1.完善创新机
制 ....................................................... 15 2.提供差异化理财服
务 ................................................. 15(三)培养专业理财人员，提高理财人员素质 ................................. 16(四)加强金融机构之间的合作，丰富理财业务内涵 ........................... 16(五)调整营销手段，确立以市场为导向的营销策略 ........................... 16(六)在做好投资理财的同时，重视生活理财的服
务 ........................... 17(七)加强风险管理体系建设，防止风险过度集中 ............................. 17结束
语 ................................................................... 18参考文
献 ................................................................. 19致
我国商业银行个人理财业务发展中存在的问题及对策毕业论文
