我国商业银行个人理财业务存在的问题及对策毕业论文.doc

毕业论文 （2010届） 我国商业银行个人理财业务存在的问题及对策 摘 要 随着温州地区经济的稳健发展，居民的金融资产快速增长，理财热潮也随之兴起。普通居民希望能通过银行等金融机构的指导确定投资理财方向、渠道和品种，有策划的调整投资结构，避免个人投资理财的盲目性和随机性，从而获得最大的投资收益。温州地区商业银行个人理财也发展迅速，为营业收入发挥了积极作用。个人理财业务具有批量大、风险中等、业务范围广、经营收入稳定的特点，成为各银行竞相追逐的空间。因此分析商业银行个人理财业务的发展状况、存在问题及其问题根源，联系当前工行温州分行实际情况提出可操作性的发展建议，对加快我国个人理财业务发展具有重要的现实意义。 本文通过对工行温州分行个人理财业务存在的风险防范机制、市场定位、理财专家业务素质、产品技术含量和创新性等方面的具体问题进行调研，认为要发展我国商业银行个人理财业务必须降低服务对象门槛，健全完善风险防范机制，加强市场细分和产品准确定位，引进和培训理财复合型人才，加大技术投入，进行产品创新。 关键词：Abstract With the continuous，rapid and development of Wenzhou’s economythe residents have improved the awareness of modem financing and shown strong interesting in investment. The citizen hopefully through bank of the financial organization such as guiding determine the direction, channels and financial investment varieties, have planned adjust investment structure, avoid personal investment management blindness and random city to get a maximum investment returns. The commercial Banks of Wenzhou personal financial management hair also develops rapidly, for operating income to play a positive role. The personal financial management business has batch big, risk medium, business scope, business income is stable characteristics, become the hottest banks eagerly of angle space. Analysis of the personal financial management business development status, problems and the root of the problem, contact the current ICBC Wenzhou branch of actual situation proposed operability development suggestions to accelerate individual financing business development has an important practical significance. This article through to ICBC Wenzhou branch of the existence of the personal financial management business risk control mechanism, market positioning, financial experts professional quality, product technical content and innovative aspects of specific problem that we should develop our investigation of commercial Banks personal financial management business must reduce service object threshold, further improve the consummation risk guard