我国商业银行个人理财业务发展研究
我国商业银行个人理财业务发展研究
摘 要
近几年来，我国商业银行的个人理财业务已有了一定程度的发展。但从各商业银行个人理财业务的运作情况可以看出，我国商业银行的个人理财业务尚处于新兴阶段，真正能与外资银行相抗衡的理财业务内容并不能开展。本文从商业银行个人理财的理论基础与发展回顾出发，分析了我国商业银行个人理财业务存在的主要问题，并与国外商业银行个人理财业务的发展进行比较分析，最终对我国的商业银行个人理财业务的发展提出一些有益的建议。
关键词：商业银行；个人理财；发展研究
Title: China's Commercial Banks Personal Financial Services, Development Research
ABSTRACT
In recent years, there has been a certain development on the management of personal finance in domestic commercial bank.But from the operation situation of personal finance in domestic commercial bank,the foreign commercial bank cannot be launched.In this process,some problems have emerged,This paper from the commercial banks personal finance theoretical basis is starting with the Development Review ,The commercial bank of personal financial Services of the main problems are analyzed,and with foreign commercial banks personal financial business development comparative analysis,eventually raised some recommendations to be useful of the chinese commercial banks personal financial business development.
KEY WORDS: Commercial bank; Personal financial; Developmental research
目 录
1 绪论............................ .... ..................................1
1.1 选题背景............................................................1
1.2 研究目的.......................................................... 1
1.3 研究方法...........................................................1
2 商业银行个人理财的理论综述......................... ....................2
2.1 个人理财的内涵....................... ..............................2
2.2 商业银行个人理财业务及特征..........................................2
2.2.1 商业银行个人理财业务..........................................2
2.2.2 商业银行个人理财业务特征......................................3
2.3 我国商业银行个人理财发展的意义及过程...............................3
2.3.1 我国商业银行个人理财发展的意义................................4
2.3.2 我国商业银行开展个人理财业务的历程............................5
3 我国商业银行个人理财业务发展中的问题及原因分析.........................6
3.1 商业银行个人理财业务发展中存在的主要问题...........................6
3.2 商业银行个人理财业务发展中存在问题的原因分析........................7
3.2.1 需求市场有待发育...............................................8
3.2.2 外部瓶颈制约...................................................8
4 国外商业银行个人理财业务的发展与比较分析...............................9
4.1 美国金融机构个人理财业务发展的主要特点..............................9
4.2 日本商业银行个人理财业务的特点.....................................10
4.3 美、日商业银行个人理财业务的比较及对我国个人理财业务的借鉴.........12
5 扩大和完善我国商业银行个人理财业务的对策建议...........................13
5.1 要加快我国金融市场的发展步伐.......................................13
5.2 加大创新力度，拓展理财业务品种......................................13
5.3 尝试“客户关系管理”，分层次服务...................................14
5.4 创建个人理财品牌...................................................15
5.5 要提高理财人员的整体素质...........................................15
研究结论与展望.......................................................... 15
致谢....................................................................16
参考文献.................................................................17
附件....................................................................18
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