结 论
国有商业银行的发展壮大无论是对促进经济建设，还是对于保持我国金融业的稳定与健康发展都具有非常重要的意义。面对加入WTO后日益激烈的市场竞争，以及市场分割，限制市场准入等保护措施的逐步消失，国有商业银行要想立于不败之地，应基于以上对个人理财业务的分析构建未来的竞争优势，尽快形成“品牌”效应及属于自身的强大的竞争力。但我们要充分认识到这一任务的艰巨性、复杂性和长期性，真抓实干，苦练内功，实现我国国有商业银行改革的历史性跨越。
17
致谢
本篇论文在写作过程中，得到了XX大学X老师的精心帮助和指导，我在这里向全体老师及X导师致以诚挚的谢意。
?
18
参考文献
[1]王海军,姜磊. 后金融危机时代中国银行业金融创新与发展[J]. 区域金融研究,2011,(1).
[2] 刘嵘：我国商业银行个人理财业务发展控析[J].经济师，2005（5）. [3] 陈树军：个人理财业务也有瓶颈[J].现代商业银行，2004（9）. [4] 李苌. 国外个人理财业务的发展及其对我国银行业的启示[J]杭州金融研修学院学报， 2004，(12).
[5]许棣. 我国商业银行个人理财业务发展探析[J]广西金融研究， 2008，(08).
[6] 牟建华，胡亚林，构造个人理财业务新体系[C]，农村金融研究，2006 [7] 刘世林，有关我国目前信托与理财[N]，金融时报，2008 [8] 孟祥林，商业银行业务创新的策略选择[G]，金融电子化，2007
［9］王佳林、邓珊《个人理财工具、风险和策略浅析》,《商业研究》2004年第7期。
［10］岳彩申,张晓东. 金融创新产品法律责任制度的完善——后金融危机时代的反思[J]. 法学论坛,2010,(5).
［11］翟立宏个人金融产品的特性：不同角度的考察及启示[J].经济问题2008，（1）.
［12］姜欣欣. 在改善风险监管的基础上加快银行创新[N]. 金融时报,2010-02-01(008)..
[13] James Bullard, and Christopher J. Walle (2004). “Central Bank Design in General Equilibrium.” Journal of Money, Credit, and Banking, Vol. 36, No. 1, 95-113.
[14] Frankin Allen, and Douglas Gale (2004). “Competition and Financial Stability.” Journal of Money, Credit, and Banking, Vol. 36, No. 3, 453-480.
[15] John H. Boyd, Gianni De Nicolo, and Bruce D. Smith (2004). “Crises in Competitive versus Monopolistic Banking Systems.” Journal of Money, Credit, and Banking, Vol. 36, No. 3, 487-506.…………
19
附录一
Prospect of China's personal financial business development
At the end of 2006, China's banking sector after the full liberalization of foreign banks, get a licence rapidly in the domestic several major city the layout, with the establishment of business outlets, personal financial business competition rapid warming. As of recently, Citibank in seaside new developed area officially launched a new personal retail outlets, which Citigroup in domestic opened fifteenth retail outlets. According to Citigroup introduce the persons concerned, the Tianjin Coastal Branch of the existing 9be trained with regularity, rich experience in financial management and financial manager, to provide world-class quality all-round financial services. Later in the week, China Merchants Bank Tianjin Branch Road branch of the \golden sunflower center\
Personal financial business has become the focus of the competition between Chinese and foreign banks. For China's banking industry, the personal financial management is a very attractive market and tremendous business opportunities, but also a will face the fierce market competition and the challenge of the market.
One, the driving force for the development of personal financial business Personal financial services institutions to use its products, information, investment and other aspects of the advantages, to serve customers, to provide investment, financing, consulting, financial advisory and other all-round comprehensive financial services, to enable individuals to better identify their stage of life and investment objectives, implementation personal assets to maximize returns, improve the level of consumption and quality of life. In general, personal finance by cash management, asset management, insurance, loans, real estate investment, retirement planning, tax planning and other parts.
Foreign banks has focused on the personal financial management business to fierce competition, because of the personal financial management business is a very attractive market and tremendous business opportunities. The development of personal financial business, face the good external environment and the
20
相关推荐：
loading