浅谈财务会计理论的发展趋势.docVIP

题目：我国商业银行个人理财存在的问题及其对策 我国商业银行个人理财业务存在的问题及其对策 ［ ］个人理财、Ik务，概括而言，就是将个人资产委托银行打理，实现保值堉值的过程。 具体而言，就是银行理财专家根据客户的资产状况、预期0标和风险偏好程度，为客广提供 专业的个人投资建议，帮助客户合理而科学地安排投资方式，以实现个人资产的保值增值， 从而满足客户对投资冋报与风险的不同要求。目前，我国银行个人理财业务主要还停留在形 而上学阶段，个人理财理念及业务发展还存在着不少冇待解决的问题。本文主耍分析我W个 人理财业务的发展现状和存在的主耍问题，提出规范、发展个人理财业务的宥关建议。 ［关键字］个人理财业务存在问题相关建议 The presence of personal financial business of commercial banks in China and ItsCountermeasures [Abstract] Personal financial management business，generally speaking，is to entrust the bank to manage personal assets in order to achieve the process of the maintenance and creation of the value of personal assets. Specifically, personal financial management business is that the bank financial experts who provide professional investment advice to the customer according to the customers assets status, objectives and risk preference, help customers arrange scientific and reasonable investment terms to achieve the maintenance and creation of the value of personal assets, so as to satisfy the customer’s different requirement of return on investment and risks. At present, personal financial business of banks in our country is still in the metaphysical stage, concepts and business development of personal financial management still have many problems to be solved. This essay mainly analyzes the development situation of personal financial business in China and its existing problems, and then come up with relevant proposals for the standardizing and developing personal financial business. [Key word] personal financial business existing problems relevant proposals TOC \o 1-5 \h \z HYPERLINK \l bookmark3 \o Current Document \h 一、 我国商业银行个人理财业务发展现状 1 HYPERLINK \l bookmark4 \o Current Document \h （一） 我W个人理财业务的现状 1 HYPERLINK \l bookmark5 \o Current Document \h （二） 金融机构发展个人理财业务的手段 1 HYPERLINK \l bookmark6 \o Current Document \h 二、 商业银行个人理财业务发展中存在的几个问题 2 HYPERLINK \l bookmark7 \o Current Document \h （-）金融业分业经营现状，明显制约了个人理财业务发展的空间 2 HYPERLINK \l bookmark8 \o Current Document \h