商业银行个人理财业务的现状、问题及对策研究

XCLW26303  商业银行个人理财业务的现状、问题及对策研究  (字数：13475)

商业银行个人理财业务的现状、问题及对策研究

摘要

随着我国市场经济的迅速发展，居民金融资产规模不断扩大，我国商业银行个人理财业务发展的时机业已成熟，人们理财投资和金融风险意识日益增强。根据一项全国性调查显示，74%的人表示对个人理财服务感兴趣，41%的人则表示需要个人理财服务。可见我国多数居民希望拥有自己的理财顾问以享受理财服务。在这样的背景下，个人理财业务理所当然的成为了我国各家商业银行拓展业务的重点。

本文从我国商业银行理财业务的实际情况出发，通过研究发现，我国商业银行的个人理财业务尚处于起步阶段，个人理财业务在数量和种类上与发达国家成熟的个人理财业务相比，还存在不少差距。与此同时，我国大多数居民对个人理财业务还缺乏系统的认识和了解。此外，我国商业银行个人理财业务在发展过程中还存在诸多问题，如政府分业经营的制约、银行理财专家的匮乏、投资者理财观念的缺失等，鉴于此，本文对上述问题做了简单而细致的分析，并提出了解决我国商业银行个人理财业务发展问题的对策，即政府转变经营模式，银行培养专业人才，投资者树立正确的理财观念等。以期对我国商业银行个人理财业务的实际发展提供一定的理论指导。

关键词：个人理财业务；分业经营；理财专家；市场营销；理财观念

ABSTRACT

With the rapid development of China's market economy, household financial assets have been expanding our commercial banking business development personal finance ripe, it is financial investment and a growing awareness of financial risks. According to a national survey, 74% of people expressed interest in personal financial services, 41% of people said personal financial services needs. Shows the majority of our residents would like to have your own financial advisor to enjoy banking services. In this context, the personal finance business has become a matter of course in China's commercial banks to expand their business focus.

This article from the business bank of our country finance business of the actual conditions, through the research found that our country commercial bank of the personal financial management business is still in the initial stage, the personal financial management business in the number and type and the developed countries in the mature of the personal financial management business, there are still many compared gap. In addition, our country commercial bank of the personal financial management business in the development process has many problems, in view of this, this article on the above mentioned problems do a simple, and detailed analysis, the government management pattern, training specialized talented person, the bank investors to set up correct concept of conduct financial transactions, etc. For our country to commercial Banks of the actual development of the personal financial management business to provide certain theoretical guidance. 

Key words: personal financial services; separate operation; financial expert; marketing; financial management concepts 

目  录

1  绪论………………………..…………………………….……………………………….1

2  我国商业银行个人理财业务的现状………………………….……………….…….….1

   2.1 个人理财业务的界定………………………..…………….…………….………….2

2.2 个人理财业务的分类………………………..…………….……………….……….2

2.3 个人理财业务特点………………………..……………….………………….…….3

3  我国商业银行个人理财业务存在的问题…………………….…………………..…….5

   3.1 政府部门的问题………………………..………………….…………….…….……5

3.2 金融机构的问题………………………..………………….…………………….….6

3.3 投资者的问题………………………..…………………….………………….…….7

4  加快我国商业银行个人理财业务发展的对策……………….………………….……..8

4.1 政府部门的对策………………………..………………….……………………..…8

4.2 金融机构的对策………………………..………………….…………………….….9

4.3 投资者的对策………………………..…………………….………………….……11

5  个人理财投资组合策略案例…………………………………………………………...12

   5.1 案例背景……………………………………………………………………………12

   5.2 案例目标设定………………………………………………………………………12

   5.3 资产配置…………………………………………………………………………….13

   5.4 投资组合策略分析………………………………………………………………….13

   5.5 检验及调整投资组合……………………………………………………………….16

6  结论………………………………………………………………………………………16

参考文献………………………..……………………………….……………….…………..17

致谢………………………………………………………………………………………….18