商业银行个人理财业务发展分析-工商管理专业论文.docxVIP

内容摘要改革开放以来，随着经济的持续稳定发展，居民收入有了大幅度的增长，伴随而来的 内容摘要 改革开放以来，随着经济的持续稳定发展，居民收入有了大幅度的增长，伴随而来的 是人们对理财服务需求的日益增长，这意味着商业银行个人理财业务有着巨大的发展潜力 和空间。但目前国内商业银行个人理财业务的发展远远跟不上市场需求的步伐，如何借鉴 国际先进银行发展个人理财业务的经验，结合中国实际情况，找到适合我国商业银行个人 理财业务的发展策略，将个人理财业务做大、做强，是一个需要迫切研究的课题。 论文以我国商业银行个人理财业务为研究对象，系统分析了我国商业银行开展个人理 财业务的必要性、开展过程中出现的问题以及与国际先进商业银行理财业务的经验，旨在 阐明我国商业银行个人理财业务所面临的市场机遇和挑战以及所应采取的应对策略． 论文正文首先介绍了与商业银行个人理财业务相关概述及理论研究综述，接着从内因 和外因两个方面分析了商业银行发展个人理财业务的必要性，进而分析了制约我国商业银 行个人理财业务发展中的宏观和微观方面的问题，在分析我国商业银行理财业务存在的 问题后论文以国外历史为鉴，介绍了国外商业银行在个人理财业务方面的先进经验， 并详细的分析了个人理财产品的实例．最后针对我国商业银行发展个人理财业务存在的问 题，借鉴国外经验，从健全商业银行个人理财业务内部运行机制和完善其发展的外部环境 两个方面提出了我国商业银行个人理财业务的发展策略． 关键词： 商业银行 个人理财 中间业务 AbstractSince Abstract Since reform and opening up，peoples income has increased substantially with the development of economic．The people’S perception of the growing demand for financial services increase fast，which means that personal financial business to the commercial banks has tremendous potential for development space．But the development of personal financial business to the domestic commercial banks far failed to keep pace with the demand of the world market． How to learn from advanced experience of personal financial business to the international banks with the actual situation in China and find the suitable development strategies of the personal financial business to the Chinese commercial banks is a pressing need for research topic to make the personal finance business be bigger and stronger． Based on my personal financial business of commercial banks for study,the author analyzes the necessity of develop a personal finance business to Chinas commercial banks in the process of emerging issues as well as commercial banks and the advanced international financial business experience．The author Seeks to clmfy the personal financial ser、，ices market which the Chinas commercial banks are facing as well as the opportunities and challenges that should be takell countermeasures． This text is divided into five components．In the first part