徽商银行个人理财业务的发展现状研究经济与金融专业.docxVIP

安徽新华学院****届本科毕业论文（设计） PAGE PAGE I PAGE 0 徽商银行个人理财业务发展现状研究 摘 要 现阶段，随着经济全球化不断加剧，我国改革开放的进度不断深入，全面决胜建成小康时代的到来，我们国家的全体居民的收入和生活水平也实现了质的变化。人们对于理财的概念有了更多的了解，人们越来越愿意将手中的钱财用于理财，传统储蓄业务已经满足不了人们的欲望。在存贷利差不断缩小、互联网金融的不断冲击下，传统银行的资产负债业务已到了必须转型的的阶段，银行的个人理财业务也成为了新的利润增长点。徽商银行个人理财业务于2010年开始经营，销售各种个人理财产品，在安徽省内收获了不错的口碑，在市场中占有一定的地位，并且开发了一系列的自有品牌。但是随着利率市场化的步伐不断加速，监管政策越来越严格，徽商银行的个人理财业务的竞争优势日益减少，对其以后的发展产生了严重的影响。本文以徽商银行的个人理财业务为研究对象，对其在个人理财业务发展中存在的问题进行研究分析，提出相应的对策建议，有利于全面增强徽商银行的业务能力。 关键词：徽商银行；对策建议；竞争优势  PAGE PAGE 2 Research on the development status of Huishang banks personal finance services Abstract At the present stage, with the deepening of economic globalization, the deepening progress of Chinas reform and opening up, and the arrival of the era of comprehensive victory in building a moderately prosperous society, the income and living standards of all the people in our country have also achieved a qualitative change. People are becoming more aware of the concept of money management and are increasingly willing to invest their money in personal finance rather than traditional savings. Personal finance business is the main source of income of intermediate business in the banking industry. Under the impact of the narrowing of deposit and loan spreads and the continuous impact of Internet finance, the balance sheet business of traditional Banks has reached the stage of transformation, and the personal finance business of Banks has become a new profit growth point. Anhui merchants bank as Chinas first joint by the urban credit cooperatives, city commercial Banks established joint reorganization of regional joint-stock commercial Banks, the personal finance business started business in 2010, sales of all kinds of personal finance products, in anhui province to harvest the good word of mouth, occupies a certain position in the market, and developed a series of own brand. However, as the pace of interest rate liberalization continues to accelerate and the regulatory policies become