商业银行个人理财业务发展现状及趋势研究.pdfVIP

商业银行个人理财业务发展现状及趋势研究 本 科 毕 业 论 文 论文题目 商业银行个人理财业务进展现状及趋势研究 商业银行个人理财业务进展现状及趋势研究 Commercial bank individual managing finances trade development present situation and Tendency research [摘要]个人理财业务又被称为“私人银行业务”、“对私金融服务”、“家庭金融”、“家庭理财”等， 是80年代兴起的一项新的银行业务，最初显现在美国，之后，在欧洲以及亚洲的日本、香港等经济发 达国家和地区获得了迅速的推广，现已成为世界各大银行的一项要紧业务，并开始阻碍商业银行今后 的业务进展方向和长期经营战略。随着我国国民经济连续、快速、健康地进展，居民的投资意愿及现 代理财观念增强，金融服务需求也日益多样化。入世后，外资银行正在加紧进入中国金融市场，个人 理财业务已成为外资银行抢占中国金融市场新的竞争焦点和中国商业银行业务拓展之重点。本文对商 业银行进展个人理财业务进行了研究。本文第一对商业银行的个人理财业务进行简要的概述，然后从 我国商业银行个人理财业务的现状入手，分析了其进展中的制约因素，并针对这些制约因素，在借鉴 发达国家商业银行进展个人理财业务先进体会的基础上，结合我国的实际情形，提出了国有商业银行 个人理财业务的进展策略。 Abstract: The personal financing is a new bank business rising in 1980s,it first appeared in America,then spreaded abroad in some developed counties such as European and Asia countries like Japan 、Hong Kong,now it has became a main business in firstclass banks all over the world,and influences the direction of the development incommercial bank and extensive operating stratagem．With the continuous,rapid and sound strong interest in investment ．As a result,the demand of financial services is diversified ．After joined WTO,foreign capital bank is entering into China finance market quickly,the personal financial business has become a competitive focus that these banks want to occupy and expand bank business in China ．This paper studies the personal financing in commercial banks． The paper carries on the brief summary to the personal financial business of the commercial ban at first,then start with the current situation of the business of management of personal financial services of commercial bank and restrict factors, has analyzed，direct to the existing restrict factors,on the basis of using the external commercial ban for reference and developing business advanced experience of management of personal money,combine the actua