我国商业银行个人金融业务创新策略研究摘要.docVIP

摘 要 在中国政府加入WTO时承诺，到2006年底银行业将全面开放。四年过去了，我国商业银行已经与国外商业银行展开了全面的竞争，在这样一个新的背景下，我国商业银行全面发展个人金融业务具有重要战略意义。一方面是我国城乡居民个人金融资产的增长，对商业银行提供保值增值业务的内在要求，另一方面是银行业提升自身竞争力、维护国家金融稳定的客观要求。 本文比较系统的阐述了发展个人金融业务理论和方法;提出了从宏观体制改革到微观主体的行为的一些建议;讨论了我国商业银行在国内个人金融资产不断增长的现实条件下，发展个人金融业务的可行性;运用比较分析法，论证了我国商业银行现有个人金融业务品种较少，技术含量较低，所以具有很大的发展空间;定量分析了个人金融业务及其创新业务与银行竞争力之间的相关关系;并从战略的高度出发，对如何处理银行业之间的合作与竞争给出了建议。 关键词:个人金融业务；商业银行竞争力 ；金融创新 Abstract China joined the WTO in time commitment to the banking sector will be fully liberalized by the end of 2006. Four years on, Chinas commercial banks and foreign commercial banks have already launched a full competition, in the context of a new, comprehensive development of Chinas commercial banks, personal financial business of strategic importance. The one hand, urban and rural residents in Chinas growth in personal financial assets, increasing the value of commercial banks within the business requirements, on the other hand the banking sector to enhance their competitiveness, safeguard financial stability in the objective requirements. This paper described the development of more systematic theory and method of personal financial services; proposed system from the macroscopic to the microscopic behavior of some of the main recommendations; discussed the domestic Chinese commercial banks in the growing personal financial assets, the reality of conditions, the development of personal financial services feasibility; using comparative analysis, demonstration of Chinese commercial banks less variety of existing personal financial services, low-tech, and therefore have a huge space for development; quantitative analysis of the personal financial services and innovative business competitive with banks relationship between; and from a strategic viewpoint, on how to deal with the banking industry cooperation and competition between the recommendations given. Key words: personal financial services；commercial banks competitive；financial Innovation 目 录 摘 要 I Abstract II 目 录