我国商业银行个人理财业务的SWOT分析.doc

广东金融学院 我国商业银行个人理财业务的SWOT分析 PAGE I 广东金融学院 2008-JX16- 尹雪辉 本科毕业论文（设计） 我国商业银行个人理财业务的SWOT分析 摘要 随着全球化、网络化和金融自由化浪潮的展开，个人理财业务已经成为一个国际银行业公认的极具潜力的新领域。而随着国内经济结构的加速转型、资本市场的发展、投资渠道的多元化和个人财富的迅速增长，给商业银行带来丰厚收益的个人理财业务逐渐成为我国商业银行新的利润增长点。 针对当前个人理财市场的各种情况，本文尝试从宏观和微观两个方面，理论与实践两个角度，结合经济学、管理学知识，对个人理财业务进行了SWOT分析。首先，对个人理财业务的背景进行简单的分析，同时给出个人理财业务的定义并分析其特点。其次，针对当前个人理财市场现状，从优势(STRENGTH)、劣势(WEAKNESS)、机遇(OPPORTUNITY)和挑战(THREAT)等各方面对其进行分析。最后，通过SWOT矩阵对商业银行个人理财业务发展提出了相应的策略。 关键词：商业银行； 个人理财业务； SWOT分析 Abstract As the expansion of globalization, internet and financial liberalization,the private financial p1anning business has been recognized as a potential field in the industry of international banking. China is experiencing accelerative economic transformation,fast development of capital market and increase in the people’private wealth.Meanwhile the private financial planning business bring great profit for the banks. I try to analyze the financing market with SWOT method from the macroeconomic and microeconomic aspects, combining Economics and Management knowledge,based on the current situations of personal financing market .Firstly , to introduce personal financing theory,Meanwhile, to show all kinds of definitions of personal financing business and analyze its characteristics.Secondly ,to analyze the current situations of the financing market according to the class of STRENGTH,WEAKNESS,OPPORTUNITYand THREAT.Finaly,to give some suggestions on how to develop personal financing business of commercial banks by means of SWOT matrix. Key words: Commercial bank； personal financing business； SWOT analys 目录 一、选题意义与目的………………………………………………………1 二、商业银行个人理财业务概述…………………………………………2 （一）商业银行个人理财的定义………………………………………2 （二）商业银行个人理财业务的分类…………………………………2 （三）商业银行个人理财业务的一般理论与研究方法介绍…………3 三、我国商业银行开展个人理财业务的SWOT分析 …………………4 （一）优势(STRENGTH)分析…………………………………………5 （二）弱势(WEAKNESS)分析…………………………………………6 （三）机会（OPPORTUNITY）分析……………………………………7 （四）威胁（THREAT）分析…………………………………………10 （五）SO战略…………………………………………………………