个人理财发展态势.docx

西南交通大学希望学院本科毕业论文（设计） 摘要及关键词 PAGE PAGE I 我国个人理财业务和产品演进轨迹及未来发展趋势—以成都银行为例 2012级金融会计3班 龚莉摘要及关键词 摘要：改革开放以来，我国经济形势有了翻天覆地的变化，人民生活和以前相比差异很大，出现了网上银行、基金、股票等一些新事物，居民对个人投资和相关理财方式逐渐关注，本文通过搜集大量与成都银行有关的资料信息， 详细的了解和阐述了我国个人理财业务的发展过程和途径，对相关产品的差异进行了对比，同时也揭示在发展过程中相关理财产品存在的弊端，对未来的发展规划提出了相关的要求，提出了一些合理化的解决方案。 本文从国内个人理财投资活动及金融市场的发展状况开始进行入手，并且通过研究成都银行的发展历程，提出了我国银行业的相关注意事项。在发展过程中，认识、产品、风险、人才等都是制约因素；最后，总的说来，理财产品和业务市场是随着经济发展而不断变化的，想要更快更稳的前进，还需要采取各方面的措施。同时建立健全相关法律法规，防范运营危机，改善经营体制结构。 关键词：商业银行 理财产品 风险 发展趋势 理财体系 西南交通大学希望学院本科毕业论文（设计） Abstract and Key words PAGE PAGE II Abstract and Key words Abstract: With the rapid development of national economy, peoples living standards rising, residents emphasis on financial products and financial services are increasingly high. This article is based on silver Chengdu as the research object, described Chinas commercial banks wealth management products and financial services in the course of evolution, the advantages of the present stage of development, the problems and the cause of the problem, and make the analysis of the commercial bank financial services market, comments and recommendations. This paper introduces the current development of personal financial services and products market; secondly, Chengdu Bank, for example, describe the development of Chinas commercial banks in the problems. In the development process, knowledge, product, risk, human resources, etc. are constraints; Finally, in general, financial products and services market is evolving with economic development and want to advance faster and more stable, but also measures need to be taken in all aspects. Such as the establishment of a sound legal system, strengthen risk management, deepen market segments. Key words：commercial Bank Financial product risk development Financial system 西南交通大学希望学院本科毕业论文（设计） 目录 目录 TOC \o 1-3 \h \z \u 目录 3 1 绪论 1 1.1研究背景 1 1.1.1 我国经济形势 1 1.1.2 我国