摘要
在我国商业银行中银行个人理财业务地位不断提高，已经逐渐成为推动商业银行发展的重要业务。随着我国居民收入不断提高, 个人理财市场需求不断增大,个人理财业务已经成为商业银行之间相互竞争的焦点之一,是商业银行新的,重要的利润增长点。各商业银行纷纷推出形式多样的个人理财业务。但与此同时,我国银行个人理财业务还存在一些急待解决的问题。本文着重探讨个人理财的概念问题,分析商业银行个人理财业务存在的问题, 提出进一步发展个人理财业务的合理化建议。寻求适合我国商业银行个人理财业务发展的主要方法和经营模式，提出可操作性建议，对加快我国商业银行个人理财业务发展具有重要的现实意义。本文首先对商业银行个人理财业务进行阐述，然后分析了个人理财业务的现状与未来发展，根据分析总结出我国银行个人理财业务尚存在的主要问题，最后针对相关问题提出对策与建议。
关键词 商业银行；个人理财业务；现状研究；
ABSTRACT
Bank of China’s commercial banks in the personal finance business position continues to improve, promote commercial banks have become an important business development . With the continuous improvement of people’s income , personal finance market demand is increasing, personal finance business has become a focus of competition among commercial banks is an important new profit growth point of commercial banks. Commercial banks have been offering a variety of personal financial services . At the same time , China’s banking personal financial services there are still some problems need to be solved . This paper focuses on the conceptual issues of personal finance , personal finance commercial banking business analysis problems rationalization proposals to further develop personal financial services . China’s commercial banks to seek suitable for the development of personal financial services major methods and business models , made operational recommendations to accelerate China’s commercial banks personal finance business development has important practical significance. Firstly, the commercial banks elaborate personal financial services , personal finance and analyzed the current situation and future development of the business , according to the analysis summed up China’s banking personal financial services , there are still a major problem, and finally put forward countermeasures and suggestions for related problems.
KEY WORDS Commercial bank; personal financial business; development status;
目 录
一、商业银行个人理财业务简介 5
1.1 个人理财业务的投资方向 5
二、我国个人理财业务的现状与未来发展 6
2.1我国个人理财业务的现状 6
2.1.1个人理财业务在我国还处于新兴阶段 6
2.1.2个人理财产品的种类不断丰富 7
2.1.3 个人理财产品的销售规模增长迅速 8
2.2 个人理财产品的种类 8
2.3 个人理财产品发行量情况 8
三、我国商业银行个人理财业务存在的问题 9
3.1 理财产品单一化，缺少创新 9
3.2理财专业人才的欠缺 10
3.3 服务系统滞后，约束业务发展 10
3.4 个人理财业务服务定位模糊 11
3.5 信用体系不完善 11
3.6 个人理财业务存在纠纷 12
五、对我国商业银行个人理财业务发展提出建议 13
5.1 细分市场，设计不同的理财产品 13
5.1.1 根据地理角度进行市场细分 13
5.1.2 根据个人客户拥有的资产和生活方式不同进行市场细分 13
5.2 培训高素质专业化理财人员 14
5.3 完善网络理财平台，加快信息化进程 14
5.3.1 完善网络基础设施建设 15
5.3.2 加快金融电子化系统的集成 15
5.3.3 建立和完善银行内部数据信息管理系统 15
5.4 强化品牌建设，提供个性化服务 16
5.4.1 实现客户财务安全，同时注重资产的保值增值 16
5.4.2 提高办理个人理财业务的便利性 16
5.4.3提高银行服务的亲和力，提升个人理财业务软件基础 17
5.4.4 成立专业理财室,设计一揽子理财方案 17
5.5 加强公民自觉性，完善个人信用体系 17
5.6 建立健全个人理财业务纠纷的解决办法 18
六、 结论 18
参考文献 18
