我国商业银行个人理财业务发展问题探析.docxVIP

PAGE PAGE 11 我国商业银行个人理财业务发展问题探析 摘 要 商业银行个人理财业务，是指商业银行为个人客户提供的财务分析、财务规划、投资管理等专业化服务活动。如今我国的经济快速增长，居民的收入也一直在提高，人们对于自己资产的态度和处理方式在过去十几年来发生了很大的变化，个人理财也逐渐受到了人们的重视。虽说我国个人理财业务现在的发展已经取得了一定的进步，但纵观全球还是处于起步的阶段，仍存在许多问题等待改善。文章的目的是研究个人理财业务在发展过程中有什么问题，并就这些问题分析它们的原因和提出解决问题的一些建议。论文通过运用比较法、内外因分析法、查找文献等手法研究和对比了个人理财从发展以来国内外的情况，通过数据和新闻资料研究了中国目前商业银行提供的个人理财产品的现状，即理财行业规模和竞争不断扩大、理财产品越发受到人们重视。根据这些现状，从其他竞争对手、银行现有理财师、投资者等角度分析问题，然后以商业银行的内外部为切入点分析问题产生的原因。最后基于文章对理财业务发展的问题、原因，结合实际生活和查找的资料提出几项选择措施，包含以下几条：创新理财产品；加强银行理财规划师的专业素质；顺应社会发展趋势，开拓新型服务方式；扩大原有的市场，重视各类客户的开拓；加强对我国商业银行的监管，为了让理财客户没有疑虑，最终也是为了中国的商业银行个人理财业务这个行业可以更好的持续发展下去。 关键词：商业银行；个人理财业务；理财产品；措施选择 Analysis on the Development of Personal Finance Services of Commercial Banks in China Abstract Commercial Banks personal finance services refer to the professional services such as financial analysis, financial planning and investment management provided by commercial Banks for individual customers. Nowadays, with the rapid growth of Chinas economy, residents incomes are increasing. In the past decade, peoples attitude towards their assets has changed a lot, and personal finance has gradually attracted peoples attention. Although the development of personal finance services in China has made some progress, it is still in its infancy in the world, and there are still many problems to be improved. This paper aims to study the problems in the development of personal finance services, analyze the causes of the problems, and put forward Suggestions to solve the problems. In this paper, we study and compare the present situation of the personal finance development both at home and abroad, by comparison, the internal and external cause analysis, the methods of literature retrieval, research the current situation of Chinas commercial Banks personal wealth management products through the data and news material, that is to say, model and continue to expand, the financial industry competition and financial products more and more attention by people. In view of th