毕业论文-我国商业银行个人理财业务现状分析及创新对策.docVIP

摘 要 本文基于我国金融市场全面开放的背景，首先对我国商业银行的个人理财业务进行现状分析，概述了这几年我国理财业务的发展规模以及产品随着资本市场的演变而演变的过程，阐明了商业银行个人理财业务创新的内容，基于私人财富的保值增值需要、金融机构市场竞争的需要及为混业经营打基础的需要，进一步说明了我国商业银行开展个人理财业务的价值取向。其次通过与国外开展个人理财业务的商业银行和在个人理财方面最有代表性的美国花旗银行的比较研究，找出我国商业银行现行个人理财业务在业务组织形式、市场细分和市场营销、产品与品牌、业务处理与产品开发、考核方法与指标等方面的差异，以此借鉴国外商业银行开展这一业务中的先进做法。结合我国“贫富差距”、“人口老龄化”等实际情况，提出了加快个人理财产品的开发和创新，优化产品结构和加快个人理财服务创新，提高服务水平和质量及广泛应用信息技术，拓展个人理财服务新渠道和推进管理创新，以促进个人理财业务发展的创新对策。 关键词：商业银行；个人理财；创新  Abstract Based on the full liberalization of Chinas financial market background, the first of Chinas commercial banks to conduct personal financial business analysis, provides an overview of financial management over the past few years in our country the size of business and product development as the evolution of capital markets and the evolution of the process, clarifying the business Personal Financial Services Bank of innovative content, based on the private sector need to preserve and increase the value of wealth, financial institutions need to market competition and the need to lay the groundwork for the operation mode, further carry out the commercial banks of Chinas personal finance business value. Carried out followed by the adoption of personal finance and foreign commercial banks and business in the personal financial aspects of the most representative of the comparative study of the United States, Citibank, Commercial Bank of China to find out the current Personal Financial Services in the business forms of organization, market segmentation and marketing, product with the brand, business processes and product development, assessment methods and indicators of differences in foreign commercial banks to carry out the business practices of the advanced. Combination of Chinas wealth gap, the aging of the population and the actual situation, put forward to speed up the personal financial product development and innovation, optimize product structure and personal financial services to speed up innovation, improve service levels an