财经类毕业论文范文.docVIP

财经类毕业论文范文 【篇一：财经类科毕业论文范文】 本科毕业论文 ( 论文(设计) 系 别 财政金融系 专业 届 别 学生姓名 指导教师 2014 届 张三 李四 金融学 班级 2010 金融一班 学职 二 o 本科生毕业论文 (设计)诚信承诺书 摘 经济的持续快速增长以及系列 “藏富于民 ”政策的出台 ,党的十八大制 定了到 2020 年相比 2010 年人均收入水平翻一番的宏伟目标 ,使得老 百姓对未来收入的预期更加乐观。面对家庭日益增长的财富 ,以及不 断上涨的物价和通货膨胀预期 ,如何实现保值增值成为许多老百姓思 考的重要问题。银行业正是看到了这个巨大的市场需求 ,开始创新思 路推出理财产品抢滩个人理财市场 ,目前已形成包括现金管理与货币 市场类、固定收益类、衍生投资类以及境外投资类等投资领域在内、 各种风险收益等级、期限与币种多维度灵活搭配的产品体系。我国 的理财业务则最早起始于 2004 年,一经推出就呈现出快速发 , ,在此基础上通过对商 ,如此规模和多元化的理财产品改善了我国金 融体系的产品结构和效率 ;突出了理财业务创新是顺应商业银行治理 改革与业务转型 ,市场化竞争下的理财业务促进了金融体制与机制变 革,是“脱媒 ”与银行资产、负债及收入结构调整的生力军 ;最后辨证的 分析了理财业务创新和金融监管之间的关系。但是金融创新在带来 银行业发展契机的同时 ,也引入了巨大的风险。为此本文深入分析了 当前商业银行理财方面存在的问题及不足之处 ,有针对性给出了有益 的建议,以期为促进我国商业银行个人理财 ,乃至银行长远发展提供有 益的建议。 创新 with the rapid growth of the economy in our country and a series of hidden rich abound people as the guidance of policies, residents income rise, the family wealth increasing, how to manage the accumulated wealth, keeping the value of increasing income become most families1 big problems. at the same time, each big commercial banks saw folk wealth reserves of strong value, are subordinate to launch financial products to occupy personal financial market, already formed, including the cash management and monetary market category, fixed income derived class, the penetration of foreign investment in the area of penetration and etc, risk and return, all kinds of levels, time limit and currency multidimensional agile collocation products system. since the establishment of the commercial banks in china in 2004,finance business in increase among bank business income and promotion of the commercial bank structure in transition makes great of third season of 2011. in financial follows as well. under the new process relation between business for the development of financial recent financial business development and innovation since with financial supervision of the straggle between the dynamic game, from status and innovation of commercial banks financial products the micro and macro angle to our co