商业银行发展个人理财业务分析

XCLW25198  商业银行发展个人理财业务分析  (字数：10654)

商业银行发展个人理财业务分析 

摘要

    随着居民收入的提高，个人理财市场也不断的增加，个人理财产品成为各个银行竞争的焦点之一，也是商业银行的利润增长点。各个银行推出的理财产品不径相同，使得客户在选择理财产品时没有更多的选择性。

    个人理财业务具有批量大、风险低、业务范围广、经营收益稳定等优势，在商业银行业务发展中占据着重要位置。而我国现阶段经济发展与社会阶层结构的形成以及个人理财的功能，决定了它有着十分广阔的发展前景。    

    理财业务是商业银行提高收入的重要手段。我国的理财业务还处于起步期，以能信赖的信托产品为主导，产品预期收益面向合理化，但产品总有风险存在，我国的商业银行要重新认识市场，打造卓越的品牌和特色服务，获取客户的持久支持和信任度，加大创新力度，寻求发展空间，努力将风险做到最小化。单一产品做到多元化。

    本文以商业银行为主体，对我国个人理财市场进行分析，树立以客户为中心，服务为导向，培养专业的理财顾问，加强风险管理，只有正视这些问题，并加以解决才能加强我国银行的竞争力，促进我国金融业的不断发展。

关键词：个人理财 商业银行 发展 对策

Analysis on Commercial Banks' Personal Financial Management

Abstract

    With the increase in income, personal finance market is also increasing, personal financial products become the focus of competition among banks, commercial banks is the profit growth point. Different banks launched the same financial products, making customers in the choice of financial products, no more selective.

    Personal wealth management business with a large volume, low risk, wide business scope, stable operating income and other advantages, in the commercial banking business development occupies an important position. China's current economic development and the formation of social class structure and the function of personal financial management, determines it has a very broad development prospects.

    Financial management is an important means of commercial banks to raise their income. China's financial management business is still in its infancy, trust products to trust-oriented, product revenue for the rationalization of the expected, but there is always the risk of products, China's commercial banks to re-understand the market, creating excellent brand and special services, access to customers Of the sustained support and trust, increase innovation and seek development space, and strive to minimize the risk. A single product diversification.

    This paper takes commercial banks as the main body, analyzes the personal financial market in China, sets up customer-oriented and service-oriented, cultivates professional financial advisers and strengthens risk management. Only when these problems are solved and solved can we strengthen the competitiveness of Chinese banks , To promote the continuous development of China's financial industry.

Key words：Personal Finance Commercial Bank Development Countermeasures

目 录

商业银行发展个人理财业务分析 I

Analysis on Commercial Banks' Personal Financial Management II

目 录 IV

一、 商业银行个人理财业务概述 1

（一）个人理财业务的概念 1

（二） 商业银行理财业务包含的主要内容 2

1、个人存款 2

2、基金 2

3、国债 2

4、保险 3

5、贵金属 原油 3

二、 发展个人金融业务的必要性 4

（一）居民收入的增加要求商业银行提供个人金融业务服务 4

（二）金融业竞争加剧迫使商业银行开发个人投资理财业务 4

（三）社会财富格局的改变为商业银行发展个人金融业务提供了现实基础 5

（四）入世后金融市场的开放迫切需要国内商业银行大力拓展个人金融业务。 6

（五）个人金融业务增长是我国商业银行发展的必然趋势。 6

三、商业银行对个人理财业务存在的问题 7

（一）客户细分管理不到位 7

（二）研发产品缺乏创新 7

（三）风险提示不明确 8

（四）专业人才的匮乏 8

四、如何发展商业银行个人理财 10

（一）改善个人理财观念，提升理财意识 10

（二）大力开展金融产品创新 10

（三）加强内部管理，进行明确的投资风险提示 10

（四）培养专业理财人员，提高理财人员的素质 11

（五）完善与个人金融业务有关的法律、规章制度 11

结语 12

参考文献 13

致 谢 15