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1、序号(学号):我国商业银行个人理财业务的问题及发展对策姓名学院财经管理学院专业农林经济管理(金融方向)班级2007级(1)班指导教师年月我国商业银行个人理财业务的现状及发展对策[摘要]个人理财业务最早出现在瑞士,之后在美国、欧洲以及亚洲的日本、香港等经济发达国家和地区获得了迅速的推广,现已成为世界各大银行的一项主要业务。在巨大的市场需求和机遇面前,包括银行在内的各种金融机构纷纷挖掘自身潜力和优势,加大科技投入,建立个人理财平台,积极抢占个人理财市场,使个人理财的市场竞争日趋激烈。在西方国家,个人理财业务以其批量大、风险低、业务范围广、经营收益稳定等优势在商
2、业银行业务发展中占据重要位置。本文从我国商业银行个人理财业务的发展现状入手,指出在当时金融业竞争的日趋激烈和居民金融要求不断提高的环境下,商业银行开展个人理财业务的必要性;然后阐述了当前我国商业银行开展个人理财业务中存在的诸多问题,并深入分析了这些问题产生的原因;最后提出我国商业银行发展个人理财业务的有效对策。[关键词]商业银行个人理财业务现状发展对策TheProblemsandDevelopmentCountermeasuresofPersonalFinancialManagementBusinessofCommercialBank[Abstract]T
3、hepersonalfinancialmanagementbusinessinSwitzerland,afterfirstappearedintheU.S.,Europe,andAsia'sJapanandHongKongeconomicdevelopedcountriesanddistrictstogetaquickpromotion,hasbecomethemajorworldbank,oneofthemajorbusiness.Inthehugemarketdemandandopportunities,includingBanksbeforethev
4、ariousfinancialinstitutionsaredevelopingitspotentialandadvantage,increasethetechnologyinvestment,establishpersonalfinanceplatform,activelypreemptedpersonalfinancemarketandmakepersonalfinancemarketcompetitionbecomesincreasinglyfierce.Inwesterncountries,thepersonalfinancialmanagemen
5、tbusinesswithitsbatchbig,riskislow,thebusinessscope,businessincomestabilityetc.Advantageinthecommercialbankbusinessdevelopmentintheoccupiedanimportantposition.Thisarticlefromourcountrycommercialbankindividualfinancingbusinessdevelopmentpresentsituation,pointsoutthatinthefinanciali
6、ndustrywasfiercecompetitionofandresidentsfinancialrequirementsimprovingenvironment,commercialBanksunderthenecessityofthepersonalfinancialmanagementbusiness;AndthenexpoundsthecurrentChinesecommercialBanksofthepersonalfinancialmanagementbusinessexistedthequestion,andin-depthanalysis
7、ofthecausesoftheseproblems;DevelopmentofcommercialBanksinChinaandfinallyputsforwardsomeeffectivemeasuresofthepersonalfinancialmanagementbusiness.[Keywords]CommercialbanksIndividualFinancingBusinessStatusDevelopmentCountermeasures目录引言1一、我国商业银行个人理财业务发展状况1(一)商业银行开展个人理财业务的必要性分析2(二)我国商
8、业银行个人理财业务的发展现状3二、我国商业银行开展个人理财业务存在