包商银行个人金融业务综述.docVIP

摘 要 2015年12月21日，2015年中央经济工作会议圆满结束。会议确定了2016年全国经济发展五大重点工作：积极的财政政策要加大力度，稳健的货币政策要灵活适度；积极稳妥化解产能过剩，资本市场要配合企业兼并重组；化解房地产库存，适当降低商品住房价格，要取消过时的限制性措施；要大力推进国有企业改革；要加快金融体制改革，尽快形成融资功能完备、基础制度扎实、市场监管有效、投资者合法权益得到充分保护的股票市场，抓紧研究提出金融监管体制改革方案。　 2015年以来，银行业市场结构逐步调整，中小银行市场份额占比上升。2015年一季度，股份制商业银行、城市商业银行、农村金融机构和其他类金融机构资产份额占比分别比上年同期提高0.24、0.56、0.31和0.63个百分点。 本人于2015年12月至2016年3月在包商银行赤峰营业部实习，在工作中发现了包商银行赤峰分行的个人金融业务方面存在的问题，通过SWOT分析和PEST分析，得出了xxxx的主要结论。 关键词：个人金融；市场细分；竞争力 ABSTRACT In December 21, 2015 , the Central Economic Working Conference ended. The meeting has confirmed 5 key emphasis in work on 2016 national economic development : sending up the degree of positive fiscal policy , making the monetary policy to steady,moderate and flexible; actively yet prudently to ease the overcapacity, the capital market to with the merger and reorganization of enterprises; to resolve the inventory of real estate, appropriate to reduce the commercial housing prices, to cancel the outdated restrictions; to vigorously promote the reform of state-owned enterprises, to accelerate the reform of the financial system, as soon as possible the formation of financing function is complete, solid system foundation, effective market supervision, the legitimate rights and interests of investors are adequately protected in the stock market, pay close attention to the study and put forward the scheme of the reform of the financial regulatory system. 2015年以来，银行业市场结构逐步调整，中小银行市场份额占比上升。2015年一季度，股份制商业银行、城市商业银行、农村金融机构和其他类金融机构资产份额占比分别比上年同期提高0.24、0.56、0.31和0.63个百分点。 Since 2015, the market structure of the banking market gradually adjusted, the proportion of small and medium banks market share rose. 2015 first quarter, joint-stock commercial banks, urban commercial banks, rural financial institutions and other types of financial institutions accounted for more than 0.24, 0.56, 0.31 and 0.63 percentage points higher than the same period last year. 本人于2015年12月至2016年3月在包商银行赤峰营业部实习，在工作中发现了包商银行赤峰分行的个人金融业务方面存在的问题，通过SWO