商业银行个人理财产品对比研【毕业论文】.docVIP

PAGE I 毕业论文 （20_ _届） 商业银行个人理财产品对比研究 摘 要 随着我国经济的发展，居民可支配收入逐渐增多，因此对理财的需求也日益旺盛，我国商业银行个人理财业务在近几年中也有了快速的发展。然而，在快速发展的背后，我国的理财市场仍然还是一个新兴市场，制度尚不完善，产品同质化现象比较严重。面对琳琅满目的理财产品，客户很难做出正确的投资抉择，同时也不利于银行拓展市场和细分市场，不利于金融市场的稳定，因此对银行理财产品的对比研究十分必要。基于这一现象，本文在研究国内外相关文献的基础上，以建设银行和光大银行为例，通过发放理财产品对比研究调查问卷，对我国商业银行个人理财产品进行对比研究。根据实际调查结果反映出的问题，提出了相应的对策：增强居民的理财意识，大力宣传相关的理财知识；通过各种创新来解决产品同质化问题；大力培养个人理财专家，充分利用综合信息技术。 关键词：商业银行；个人理财产品；对比研究 Abstract With the development of our national economy, residents disposable income increases gradually, so the demand for finance is also increasingly exuberant. Recent years, Personal Financial Services Commercial Bank of China has also been rapid growth in. However, behind the rapid development, Chinas financial market is still an emerging market. System is not perfect, product homogeneity phenomenon more serious. Faced with an overwhelming variety of financial products, customers are hard to make the right investment choice, also against Banks expand market and market segment, against the stability of the financial markets, so the bank financial product contrast research is necessary. Based on this phenomenon, this article studies on the basis of relevant literature, the China Construction Bank and China Ever bright Bank, for example, through the issuance of financial product comparison study questionnaire, comparatively study our personal financial products to commercial banks. According to the practical results reflect problems, and put forward the corresponding countermeasures. The financial consciousness, strengthening people publicity related managing finances knowledge. Through innovative products to solve the problem of homogeneous.Training personal finance expert, make full use of comprehensive information technology. Keywords: commercial bank; personal finance products; comparative study PAGE IV 目 录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc291431136 1我国商业银行个人理财产品的概况 PAGEREF _Toc291431136 \h 1 HYPERLINK \l _Toc291431137