金融学概论论文.docVIP

PAGE PAGE \* ROMAN II 金融学概论 课程论文 题 目: 个人理财业务发展的问题和对策 年级专业： 国际学院人力资源管理 学生姓名： 学 号： 指导教师： 2011年11月 20 摘要 随着我国居民收入不断提高, 近年来个人理财市场需求不断增大,个人理财业务已经成为我国商业银行业务发展的核心内容，也是商业银行之间相互竞争的焦点之一,是商业银行新的,重要的利润增长点。各商业银行纷纷推出形式多样的个人理财业务。但与此同时,我国银行个人理财业务还存在一些急待解决的问题。如何拓展商业银行个人理财业务显得非常重要。本文分析了商业银行在开展个人理财业务方面存在的问题，并针对性地提出了进一步发展个人理财业务的措施和合理化建议。 关键词： 商业银行 个人理财业务 问题 对策 　　  Title Problems and Countermeasures of Individual Financing Business Development Abstract Along with our country income improve continuous，in recent years, demand of personal finance market increase. The personal financial management business has become core contents of our country commercial bank business development. It is the focus of competition between commercial banks, and new, important profit growth point of commercial bank. Commercial Banks push out various forms of the personal financial management business one after another. In the meantime, there are some problems of the personal financial management business to resolve urgent. How to develop the commercial bank of the personal financial management business is very important. This paper analyzes the existing problems of commercial Banks in the development of the personal financial management business aspects, and pointed out the further development of the personal financial management business of the measures and Suggestions. Keywords Personal Financial Services Commercial Banks Problem Method  目 录 1 引言…………………………………………………………………………………………1 2 个人理财业务发展的问题………………………………………………………………1 2.1 政策、经营体制问题……………………………………………………………………1 2.2 服务系统落后、缺少技术支持………………………………………………………2 2.3 客户需求问题……………………………………………………………………………2 2.4 产品供给问题……………………………………………………………………………3 2.5 缺少合格的专业理财人员……………………………………………………………3 2.6 缺乏对理财业务市场