商业银行个人理财业务发展与问题对策研究.doc

摘 要 本世纪初，我国顺利加入了世界贸易组织，承诺于2006年底全面开放我国银行业。现在已是2010年，外资银行因全面开放的银行业享受国民待遇，加快发展个人理财等金融业务，取得了瞩目的成绩。我国商行若想在全面开放的市场条件下与外资银行竞争，开展个人理财业务十分必要。 本文以我国开展个人理财业务的必要性作为出发点，进而介绍了数十年来我国个人理财业务的发展历程，然后全面对比了我国商业银行和外资银行在产品、营销、管理等多方面的，凸现了外行的优势和我国商业银行的不足，之后结合中国的具体国情和经济发展，根据各个方面的差距，提出了一系列相应的改进对策，得出结论。 关键词：个人理财；中外对比；问题与对策 ABSTRACT At the beginning of the 21st century, China successfully joined in the World Trade Organization and commit that China will open the banking comprehensively by the end of 2006. Now, foreign banks, enjoying comprehensive national treatment, have developed the personal finance service comprehensively and made outstanding achievements. So, if our banks want to compete with foreign banks in fully open market condition, the personal finance service is a key business. So, in this essay, we must understand the necessity of the personal finance service. Then an introduction of the development of the personal finance service in China during the decades is necessary. After a rough idea of the above, we take a comprehensive comparison of domestic and foreign commercial banks in production, marketing and management etc, which highlights the shortage of domestic commercial banks. So, in the end, regarding the special conditions and economic development in China, based on all aspects of the gap, we put forward a series of corresponding improvement measures and come to the conclusion. ?? Key words：Personal finance service；Development Comparison； Problems Solutions 目 录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc263841387 第一章 个人理财业务的发展必要性与发展历程 PAGEREF _Toc263841387 \h 1 HYPERLINK \l _Toc263841388 1.1 个人理财业务简介 PAGEREF _Toc263841388 \h 1 HYPERLINK \l _Toc263841389 1.2 必要性分析 PAGEREF _Toc263841389 \h 1 HYPERLINK \l _Toc263841390 1.2.1 外部动力：潜在需求 PAGEREF _Toc263841390 \h 1 HYPERLINK \l _Toc263841391 1.2.2 内部动力：市场竞争 PAGEREF _Toc263841391 \h 3 HYPERLINK \l _Toc263841392 1.3 中国商业银行个人理财业务的发展 PAGEREF _Toc263841392 \h 3 HYPERLINK \l _Toc263841393 第二章 中外商业银行的个人理