我国商业银行个人理财业务研究

论文编号:CW147  论文字数:14055,页数:18

我国商业银行个人理财业务研究

摘要

 随着市场经济的快速推进，居民金融意识也在不断增强，个人金融资产多元化格局逐步形成。通过何种投资方式使自己多年的积蓄快速实现增值，正成为大家关注的热点。但对数量众多的普通居民而言，由于缺乏基本的投资理财分析能力和法律保护意识，再加上个人的时间和精力所限，不是盲目投资就是不敢投资，个人资产始终得不到良好配置。因此，人们希望有这样一个机构或组织，能够成为自己投资理财的好参谋，帮助自己投资，激活手中的闲置资金，从而取得更大的利益。随着我国居民金融资产的不断增长，个人理财业务受到越来越多人的重视。但从整个发展阶段而言，我国的个人理财业务尚处于初级阶段，对此进行研究具有实际指导意义。本文从商业银行在我国的个人理财业务研究内容发展历程开始谈起，阐述了发展过程中的优势及存在的问题，对以后的理财方向进行一些初步的探讨。
 
关键词：商业银行；个人理财；问题；建议

论文类型：应用研究型

Our Country Commercial Bank of the
Personal Financial Management Business Research

ABSTRACT

 Along with market economy rapidly advancing, residents financial consciousness also in unceasingly strengthens, personal financial assets multiplication pattern forms gradually. In what ways to invest the savings of many years and make themselves rapidly appreciation, is becoming a hot spot of attention. But for large Numbers of ordinary people, and because of the lack of basic financial investment analysis ability and legal protection consciousness, plus personal time and energy to place is restricted, not blind investment just couldn't investment, personal assets always get good configuration. Accordingly, people hopes to have such a institution or organization, can become your own investment banking good consultant and help their investment, activate the hands of idle funds, thus achieved greater benefits. Along with our country residents of financial assets is constantly increasing, the personal financial management business by more and more people's attention. This article from the commercial Banks in China's individual financing business development course began to talk of research contents, expounds the development process of the advantages and problems existing in the financial direction after some preliminary study.

 Key words：Commercial Banks  Personal finance  Business content Question Suggestions
 
 Type of thesis：Applied research

目录
1 绪论 1
1.1 选题背景 1
1.1.1 国内研究现状 1
1.1.2 我国资本市场基础良好 1
1.1.3 居民个人收入资本化趋势明显 2
1.2 选题意义 2
2 我国商业银行个人理财业务的现状分析 3
2.1 我国商业银行个人理财业务的发展规模 3
2.1.1 我国主要商业银行个人理财业务的内容及特点 3
2.2 我国商业银行个人理财业务的工具 5
2.2.1 传统型的以贷款为主要受益模式 5
2.2.2 创新型的开展多种金融产品相结合模式 5
2.3 我国金融监管部门对个人理财业务的态度 6
2.3.1 我国金融管理部门对银行个人理财业务的相关规定 6
2.3.2 我国金融管理部门鼓励新型个人理财业务 6
2.4 我国商业银行个人理财业务与国外个人理财业务的差距 6
2.4.1 金融环境的不同 7
2.4.2 法律环境的不同 7
2.4.3 信用环境的不同 7
2.4.4 理财需求的侧重点不同 7
3 造成我国商业银行个人理财业务现状的原因 8
3.1 外部原因 8
3.1.1 创新与体制不足 8
3.1.2 居民认识与观念落后 8
3.2 内部原因 9
3.2.1 我国商业银行开展个人理财自身存在的问题 9
3.2.2 银行理财产品的创新与营销水平的提高 10
4 我国商业银行开展个人理财业务的建议 11
4.1 加快我国银行业从分业经营向混业经营转变 11
4.2 积极进行个人理财业务环境建设和培育 11
4.3 做好个人理财业务技术性研究 11
4.4 加大产品的创新力度，丰富理财内容 11
5 结论 12
参考文献 13
致谢 14

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