我国商业银行个人理财业务发展研究

摘 要

近年来 ,个人理财业务已成为我国商业银行业务发展的核心内容 ,如何拓展商业银行个人理财业务显得非常重要。本文分析了商业银行在开展个人理财业务方面存在的问题 ,并针对性地提出了商业银行拓展个人理财业务的措施和建议。

关键词 个人理财业务；商业银行；存在的问题；对策

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Abstract

Abstract The law application of medical treatment trouble indemnity dispute case differs in judicial operation standard. Some similar cases may conclude very differently , among such cases most of them belong to spirit indemnity and death indemnity cases. This paper points out The Civil Law General Rule should be applied in medical treatment trouble indemnity if one's right is violated. Key words： Personal Financial Services；Commercial Banks；shortcomings ；Tactic

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目 录

摘 要 ······························································································ I Abstract ························································································· II 目 录 ···························································································· III 绪 论 ······························································································ 1 一、我国商业银行个人理财业务概述 ···················································· 2

（一）商业银行个人理财业务的含义 ·············································· 2 （二）发展进程 ·········································································· 2 （三）发展现状 ·········································································· 2

1．个人理财业务在我国还处于新兴阶段。 ································· 2 2．个人理财产品不断丰富。 ··················································· 3 3.个人理财产品的销售规模增长迅速。 ····································· 3 （四）当前我国商业银行个人理财业务的种类 ·································· 3

1．个人结算业务 ·································································· 3 2．个人贷款业务 ·································································· 4 3．个人投资业务 ·································································· 4 4．个人代理类服务业务 ························································· 4 5．个人理财咨询业务 ···························································· 4 6．综合理财服务 ·································································· 5 （五）国外商业银行个人理财业务的发展历程和特点 ························· 5 二、我国商业银行发展个人理财业务的意义 ··········································· 7

（一）个人理财业务的需求状况 ···················································· 7

1．客户日益多样化的需求 ······················································ 7 2．商业银行生存和发展的要求 ················································ 7 （二）个人理财业务供给状况 ······················································· 8

1．基本理财产品 ·································································· 8 2．理财中介机构 ·································································· 8

三、我国商业银行个人理财业务存在的问题 ··········································· 9

（一）金融业分业经营制约个人理财业务发展空间 ···························· 9 （二）个人理财服务门槛设置过高 ················································· 9

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（三）理财方案大众化、理财产品同质化 ········································ 9 （四）国际货币体系的成因 ························································ 10 （五）产品体系不完善 ······························································· 10 （六）高素质的复合型理财人员匮乏 ············································ 10 四、推进我国商业银行个人理财业务发展的对策 ··································· 12

（一）加强与证券、保险、基金等金融机构跨行合作，实行规范的混合经营 ······················································································· 12 （二）拓展理财业务品种。 ························································ 12 （三）做好个人理财业务技术性研究 ············································ 13 （四）细分客户市场 ·································································· 14 （五）加强复合型理财人才的培养 ··············································· 14 （五）加大理财市场的培育 ························································ 15 结 论 ···························································································· 17 致谢 ····························································································· 18 参考文献 ······················································································· 19 附录一 ·························································································· 20 附录二 ·························································································· 25

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