金融学论文 (2)

我国商业银行个人理财业务发展研究 摘要

商业银行的个人理财业务是指银行理财人员根据客户的资产状况、风险的偏好，综合利用商业银行的资源、行业优势为客户量身定做理财规划，从而实现居民财富保值和增值。随着我国经济的快速发展，我国国内生产总值和居民收入在不断增加，对资产保值和增值的需求迫切，这为商业银行的个人理财业务的发展奠定基础。另外，伴随着我国资本市场的迅速发展、利率市场化以及金融市场国际化，传统的存贷业务的盈利空间逐渐缩小。个人理财业务做为一项高利润、低风险、快速增长的业务，俨然已经成为是商业银行主要的利润增长点。 但是与国外成熟的个人理财业务相比，国内个人理财业务由于起步较晚，尚处于发展的初期阶段。因而国内个人理财业务在发展的过程中暴露了较多的问题：金融市场不发达，信用体制不健全，居民的理财意识差等外部环境问题；同时商业银行自身也存在着较大的问题：理财产品单一、营销理念落后、高素质理财人员匮乏、理财服务系统不健全及风险控制能力差等等。因此，为了提高国内商业银行的竞争力，解决个人理财业务发展中所面临的问题就成了当务之急。 文章共分为四个部分： 第一章、首先，对研究的背景、目的、意义、方法、思路以及创新之处进行介绍；然后简单介绍了个人理财业务国内外的研究现状。 第二章、详细介绍了商业银行个人理财业务的概念以及相关的理论基础。 第三章、揭示了商业银行个人理财业务存在的主要问题，进而对我国商业银行个人理财业务创新不足进行了原因分析。 第四章、结合我国的基本国情，提出了促进国内个人理财业务健康发展的对策，同时详细介绍了光大银行的业务改革，期待能为并为个人理财业务的健康发展提供新的思路。

关键词：商业银行；个人理财业务；发展对策 STUDY ON THE DEVELOPMENT OF PERSONAL FINANCE SERVICES OF COMMERCIAL BANKS ABSTRACT The Personal Financial Services of Commercial Bank is that the professionalfinancial planners make financial planning for customers based on the their assets andrisk preferences by using the resources&industry advantages of commercial banks,and their purpose is that the customers’assets should be preserved and value-added.With the rapid development of China's economic,the GDP of China and residents' income are increasing,the need of preserved and value-added assets is urgent,All ofthese lay the foundation for the personal financial services of commercial bank.Inaddition,with the rapid development of capital market,interest rate marketing andfinancial globalization,the profitable space of the traditional commercial bankbusiness is reducing.Personal Financial Services as a high profit,low risk,fast-growing business,has become a major profit growth point of the commercialbanks. Compared with the foreign personal finance business,the domestic personalfinance business is still in the early stage of development.There are many problems inpersonal financial services of the domestic commercial banks during the development process:Such as the financial markets are underdeveloped,the credit system is not perfect,residents of poor financial awareness and so on.All of these belong to the constraint of the external environment;There are serious problems in the commercial banksthemselves:For example,the financial products are simple,the marketing ideas arebehind,the high-quality financial planners are rare,the system of financial services isnot perfect and poor risk control.Therefore,in order to promote the competitivenessof the banks,solving the problems which faced in the development of personal financial services has become a priority. The thesis is divided into five parts: The first chapter,The thesis starts from introduction of background,purpose,significance,methodology,thinking and innovation of the research.And then it brieflyintroduces the current situation of the personal finance business at home and abroad. The second chapter,introduces the definition and the theories basis of thepersonal financial services. The third chapter reveals the existing problems of personal financial services in commercialbanks.And analyzes the reasons for the lack of innovation of personal financial services deeply. The fourth chapter proposes countermeasures to promote the healthy developmentof the domestic personal financial services,according to basic national conditions.Atthe same time,it introduces the reform of China Everbright Bank’s business,andlooks forward to providing new ideas for the healthy development of the personalfinancial services.

KEY WORDS:commercial banking;personal financial services;the development of countermeasures 目录 第1章导论.....................................................................................................................................1

1.1研究背景..........................................................................................................1 1.2研究目的及意义..............................................................................................1 1.2.1研究目的................................................................................................1 1.2.2研究意义................................................................................................1 1.3国内外研究动态..............................................................................................1 1.3.1国外研究动态........................................................................................1 1.3.2国内研究动态.......................................................................................2 第2章商业银行个人理财业务介绍及其理论基础........................................................2