我国商业银行个理财 产品创新研究.docVIP

学士学位毕业论文 我国商业银行个人理财 产品创新研究 学 号:20134102326 学生姓名：李欣欣 指导教师：刘杰 所在学院：会计学院 专 业：财务管理 中国·大庆 2017年6月  摘 要 我国个人理财业务出现在20世纪90年代中期，由于受到政策、法律、经营理念、技术等多方面的影响，我国商业银行个人理财业务发展缓慢。其发展过程中主要存在个人理财产品同质化现象严重，缺乏创新、个人理财产品的信息披露不充分、个人理财产品针对的客户群体不明确、专业理财人员的从业素质和数量有待提高等方面的问题，针对这些问题本文经过深刻研究提出要加快我国商业银行向混业经营的转变、加大个人理财产品设计与创新的力度、建立完善的产品信息披露机制、实行差别化、个性化服务、积极培养具有专业知识的理财人员等建议，希望我国商业银行，企业和公民一起努力，促进我国商业银行个人理财产品的又好又快发展。 关键词：商业银行；个人理财产品；创新研究 Abstract Personal finance business in China in the mid 1990 s, due to the policy, law, management idea, the influence of the technical aspects, our country commercial bank individual financing business development is slow. Its mainly exist in the process of development of personal finance product homogeneityphenomenon serious, lack of innovation, inadequate disclosure of information of individual wealth management products, personal finance products for customers is not clear, professional financial personnel employed to improve quality and quantity of problem, to solve these problems in this paper, through deep study and put forward to speed up our country commercial bank to mixed management, strengthen personal finance product design and innovation, to establish perfect information disclosure mechanism, differentiation, personalized services, and actively cultivate financial management personnel with professional knowledge and so on, hope that Chinas commercial Banks, enterprises and citizens work together to promote our country commercial bank the sound and rapid development of personal finance products. Keywords: Commercial bank；Personal financial products；Innovation research 目 录 1前言 1 1.1研究理论意义与实用价值 1 1.2国内外文献综述 1 1.3本文要解决的问题 2 2商业银行个人理财产品创新的相关理论 3 2.1我国商业银行个人理财产品概念界定 3 2.2我国商业银行个人理财产品的种类及作用 3 2.3 我国商业银行个人理财产品创新的相关理论 4 3我国商业银行个人理财产品创新的动因及意义 6 3.1 我国商业银行个人理财产品创新的动因 6 3.2 我国商业银行个人理财产品创新的意义 7 4我国商业银行个人理财产品发展现状及特点 8 4.1 我国商业银行个人理财产品发展现状 8 4.2我国商业银行个人理财产品特点 8 5我国商业银行个人理财产品创新中存在的问题 9 5.1个人理财产品同质化现象严重，缺乏创新 9 5.2 个人理财产品的信息披露不充分 9 5.3 个人理财产品针对的客户群体不明确