《工商银行个人理财业务研究》-毕业学术论文设计.docVIP

本科毕业设计（论文） 我国工商银行个人理财业务研究 学 院 专 业 年级班别 学 号 学生姓名 指导教师 年 月 摘要 全球商业银行在金融浪潮的冲击之下，个人理财业务成为现代商业银行主要的支柱，它具有批量大、风险低、业务范围广、经营收益稳定等优势，成为银行业竞争的主要焦点。 随着国民经济的快速发展，国内居民收入不断提高上升，居民投资意愿及理财观念逐步增强；同时，随着国内商业银行新市场的开拓，个人理财业务的发展成为国内商业银行业务发展的一个重点。目前，西方商业银行对于个人理财在发展历程、经营范围、服务手段、业务种类等方面都相对成熟；我国的商行银行个人理财业务，限于政策和及自身经营管理存在问题等原因，个人理财业务无论从规模水平还是内容上都与国外同类业务存在差距。为面对加入WTO后的外资银行对中资银行的冲击，提高中国商业银行个人理财业务的整体发展水平，如何抓住高端客户，占领客户市场，获取更大利润，提高商业银行核心竞争力具有非常重要的现实意义。 本文首先通过认识商业银行个人理财的定义及其理论知识的基础上，通过对比国外商业银行个人理财业务现况，以中国工商银行作为研究分析对象，分析工商银行个人理财业务发展水平的差距及制约因素。接着，借鉴国外商业银行发展的经验，提出工商银行个人理财业务水平发展的对策；最后，结合实践，举例分析工行实际个人理财案例，进一步认识商业银行个人理财业务的实质。 关键词：工商银行，个人理财，制约因素，核心竞争力 Abstract Global commercial banks under the financial impact of the wave, Personal Financial Services became the main pillar of the modern commercial bank, it has a large-volume, low-risk, a wide range of business, stable operating income, and other advantages. Now it is the main focus of competition in the bank. With the rapid development of the national economy, the income of domestic residents to improve the rise, the residents willingness to invest and financial concepts gradually increase. With the development of the domestic commercial banks’s new markets, the development of Personal Financial Services become a priority in the development of the domestic commercial banking business.Now western commercial banks for Personal Financial Services in the course of development, business scope, service means, are relatively mature.The Personal Financial Services of China commercial banks, limited to policy and business management problems, has a gap in scale level and content. In order to face with the WTO environment and the impact of the foreign banks,That how to seize the high-end customers, occupied the market of customers to obtain greater profits, and improve the