我国商业银行个人理财业务的现状及发展对策

内容提要

近年来，在当前利率市场化和“金融脱媒”的变革下，息差收窄、存款规模缩小，我国银行的盈利增长压力离越来越大。究其原因，是我国商业银行业个人理财业务存在的问题所致。只有坚持不断提升我国商业银行业个人理财业务的质量，才能突破传统业务束缚，寻求非利息收入的增长，增强其竞争力。但依现状看来，占主导地位的国有商业银行存在行业竞争力与金融创新内动力不足的问题，故本文以我国商业银行作为分析对象。通过文献研究与自我思考总结，对中国商业银行个人理财业务的问题展开论述。同时针对市场化改革、激励机制的制定、人才与技术支持等方面提出建议和意见，以期促进中国商业银行业的金融创新和市场竞争力的提升，提高社会效益，形成有序的良性竞争。

关键词：中国商业银行业； 个人理财； 影响因素； 可行性建议

Abstract

In recent years, in the current interest rate marketization and the change of \"financial disintermediation\", spreads narrowed, deposit size, pressure from the growing earnings growth of Chinese Banks. Investigate its reason, is our country commercial banking individual wealth management business problems. Only by insisting on improving the quality of the Chinese commercial banking individual wealth management business, to break through the traditional business, seeking the growth of non-interest income, enhance their competitiveness. But according to the present situation, the dominant state-owned commercial Banks exist the problem of insufficient power within the industry competitiveness and financial innovation, so this article takes our country commercial bank as the analysis object. Through literature study and self thinking summary, for China's commercial bank personal financing business. At the same time for market-oriented reform, establishment of incentive mechanism, talent and technology support etc. Put forward the Suggestions and comments, in order to promote the financial innovation of China's commercial Banks and improve market competitiveness, improve social benefit, to form an orderly benign competition.

Key words: China's commercial Banks; Personal finance; Influencing factors; Feasible Suggestions

目录

前言 1

一、商业银行个人理财的现状 1

（一）规模 1

（二）产品差异种类 1

（三）收入分布 1

二、存在的问题 2

（一）风险控制不完善 2

（二）创新能力差 2

三、相关的影响因素 4

（一）有形资源带来的影响 5

（二）中国银行业竞争力外部影响因素 5

四、对策 5

（一）完善绩效考核机制，健全员工参与管理的互动机制 5

（二）加快专业人才培养和储备 6

（三）建立健全中国商业银行业的风险控制体系 7

五、结束语 7

参考文献 8