我国商业银行个人理财业务发展现状、问题与对策

XCLW25394  我国商业银行个人理财业务发展现状、问题与对策  (字数：8734)

摘要  

随着我国国民经济持续、快速、健康地发展，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，个人理财业务的发展成为商业银行发展的一个重点。但是由于我国金融监管的影响及个人理财业务发展时间较短、操作经验不足等原因，个人理财业务的发展还是呈现出很多的问题。

本范文运用经济学、金融学等理论，分析我国商业银行开展个人理财业务的发展现状、问题以及与国外商业银行的业务的差距。同时从我国外商业银行个人理财业务的研究现状入手，在分析个人理财的概念基础上，着重分析我国商业银行在个人理财业务中存在的问题，进而提出了一系列对策来加强个人理财金融服务营销及监管部门对理财产品的监管力度的加强，来促进我国商业银行个人理财业务的发展，旨在阐明我国商业银行面对市场机遇和挑战所应采取的措施及建议。 

                            

关键词：商业银行；个人理财产品；发展现状；对策

Abstrat

  With the continuous, rapid and sound development of Chinese economy, the residents have improved the awareness of modem financing and shown strong interesting in investment. As a result，the financial services are diversified. Individual Assets Management is becoming a key sector for commercial banks.However, due to the impact of China's financial supervision and personal financial business development time is short, lack of operational experience and other reasons, the development of personal financial services or show a lot of problems.

  This paper uses the theory of economics and finance to analyze the current situation and problems of the development of personal financial services and the difference between commercial banks and foreign commercial banks in our country.At the same time, starting from the research status of personal financial business of foreign commercial banks, based on the analysis of the concept of personal finance, focuses on the analysis of existing in the personal financial services of commercial banks in China, and put forward a series of measures to strengthen the personal financial services marketing and supervision departments to strengthen supervision of financial products, to to promote the development of personal financial business of commercial banks in China, aims to clarify measures and suggestions of China's commercial banks face the opportunities and challenges that should be taken.

目录

摘要 I

引言 1

一、 商业银行个人理财业务的概述 2

（一）商业银行个人理财业务的概念..............................................................2

（二）商业银行个人理财业务的本质和分类………………………………..3

    （三）商业银行个人理财业务的发展特点…………………………………..4

二、我国商业银行个人理财业务的现状 5

（一）个人理财业务在我国的发展状况...........................................................5

1、市场规模不断扩大..................................................................................................5

        2、产品创新层出不穷..................................................................................................5

         3、新发行理财产品以低风险等级为主.......................................................................6

     （二）个人理财业务的供需现状分析.......................................................................7

三、我国商业银行个人理财业务存在的问题 8

（一）银行理财产品品种结构不合理...............................................................8

（二）理财产品大同小异、差异化和个性化不足...........................................8

     （三）个人理财产品风险问题突出 8

四、推进商业银行个人理财业务的发展对策 9

（一）树立以客户为中心的营销理念...............................................................9

（二）加强跨行业的合作，丰富理财业务.......................................................9

     （三）发展理财产品的专门人才队伍 9

     （四）加大技术投入,完善我国商业银行技术系统........................................10

参考文献 11

致谢 12