农村商业银行个人理财业务存在的问题及对策

论文编号:JR259  论文字数:8330,页数:16  附开题报告

论文题目：我国农村商业银行个人理财业务存在的问题及对策

摘  要

 随着经济的发展个人理财业务渐渐成为银行业的一项重要业务。伴随着农村金融业务的兴起，农村商业银行发展个人理财业务渐渐被提上议程。农村商业银行发展个人理财业务有其自身优势即贴近广大农村客户群；但也有巨大缺憾，比如优质客户少，业务积累不足，技术支持不够等等。本文详细阐述了农村商业银行发展个人理财业务的各种优势及不足，并提出了相应对策。

关键词：个人理财业务；市场；必要性；利润

论文类型：应用研究

Title: China Rural Commercial Bank Personal Financial Problems and Solutions Business
ABSTRACT
With the economic development of Personal Financial ，Services becoming an important business banking. With the rise of financial services in rural areas, rural commercial banks to develop their wealth management business has gradually been put on the agenda. The development of rural commercial banks have their own personal financial business advantage that is close to the rural customer base; but there are huge deficiencies, such as low quality customers, business has accumulated enough technical support is not enough and so on. This paper describes the development of rural commercial banks, business, personal finance various strengths and weaknesses, and proposed countermeasures.

KEY WORDS: Personal Financial Services; market; Necessity; profit

TYPE OF THESIS: application research

目  录
ABSTRACT Ⅱ
1 绪论 1
2 商业银行个人理财业务的作用和意义 2
2.1个人理财的作用 2
2.2个人理财的意义 2
3 农村商业银行个人理财业务现状及其优劣势 3
3.1农村商业银行开展个人理财业务的优势 3
3.1.1客户资源丰富 3
3.1.2网点众多、便于开展业务 4
3.1.3立足农村市场、拥有较高知名度 4
3.1.4 人群关系密切，联动效应好 4
3.1.5 民风相对朴实 4
3.1.6 存款增长率高，基础较扎实 5
3.2农村商业银行个人理财业务的劣势 5
3.2.1优质客户资源匮乏 5
3.2.2理财人才相当匮乏 5
3.2.3理财产品单一，缺少有特色而又竞争力的产品 6
3.2.4面对的市场主体理财意识淡薄 6
3.2.5缺少技术支持 6
3.2.6缺乏相对成熟的业务运行体系 6
3.2.7客户和银行业两者对个人理财业务的认识存在误区 7
3.2.8银行业内竞争激烈 7
4 发展农村商业银行个人理财业务的策略思考 8
4.1加强对理财业务人员的培养，努力拓展个人理财市场 8
4.2明确市场定位，培植优质客户 8
4.3加大宣传力度，激发客户的理财需求 9
4.4完善风险管理体系，建立健全规章制度 9
4.5加强金融机构间的跨行业合作，丰富理财业务内涵 9
4.6创新服务，由大众化服务向个性化服务转变 10
5 结论与展望 11
致  谢 12
参考文献 13

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