我 国 商 业 银 行 理 财 业 务 发 展 研 究摘要改革开放以来，我国经济社会不断进步，百姓生活日益富足，同时我国金融市场也取得了极大的发展。商业银行理财业务作为金融业务的一种，其高利润，高增长的特点，是居民投资理财的重要渠道，也是其不断成长与发展的核心盈利点，但我国商业银行理财业务的发展是比较晚的，所以相比较而言是不成熟的。因此国内理财业务目前尚处于初级阶段，虽优点众多，但也存在诸多不足。本文结合了国内当前实际理财产品市场现状，找出当前理财业务开展的过程中出现困境，以澳洲商业银行理财业务发展情况为例，借鉴的总结了国外商业银行在理财业务发展过程中的优秀经验，提出相应的解决措施来促进银行理财业务的发展，进而为我国金融行业的发展规范化提出建议与对策。关键词：商业银行 理财业务 存在问题 国外借鉴 发展IABSTRACTSince the implementation of reform and open policy in china, with the rapid development of economy, people living in an increasingly affluent circumstances, at the same time , financial market has made great development.The financial management products of Commercial bank, as a kind of financial products has the characteristics of high profit and growth，Is one of the important ways of residential investment and also an important foundation of constant growth and development of commercial bank.However, the financial management products of Commercial bank in China compared with foreign products started relatively late and still in its infancy with many shortcomings as well.So we need to find out the problem combined with the domestic situation of the current actual financial product market in china. A case study of the financial products market of commercial banks in Australia .At the same time we should learn from foreign experiences to promote the development of our country’s financial management products of commercial bank and then perfect it.KEY WORDS ： commercial bank financing business...
