银行个人理财业务对存款的影响——以中信银行为例摘要：自从上世纪七八十年代以来，我国的经济发展态势一片大好，也因此，普通居民们手中可以自由支配的资产也变多了，银行针对这一局面推出了一系列的个人理财业务。这篇文章的主要内容就是对银行理财发展的现状提出一些分析，文章主要采用的方法就是SWOT 分析法。本文收集了中信银行 2011 年第 3 季度至 2016 年第 3 季度的数据进行了整理，通过对数据进行单位根检验、协整检验和Granger 因果检验等实证分析，论证了商业银行理财业务对存款产生的影响，并提出相关建议。关键字：个人理财；银行存款；单位根检验；协整检验；Granger因果检验The Influence of Personal Financial Management on Deposit ——Take CITIC Bank as an example Abstract:In recent years, with the rapid development of economy, the income of our residents is increasing rapidly, idle funds in the hands of residents is increasing,personal banking business has also greatly developed. In this paper, the SWOT analysis method is used to analyze the advantages and disadvantages of, the development of bank financing. The datas of CITIC Bank from the third quarter of 2011 to the third quarter of 2016 are collected, through the unit root test,cointegration test and Granger causality test, this article shows the influence of deposits commercial banks financing business,and puts forward some relevant suggestions.Key words:personal financial management; bank deposit; unit root test; cointegration test; Granger causality test上海财经大学浙江学院毕业设计 ( 论文 ) 正文 目 录一、绪论............................................................5（一） 选题的意义与背景.........................................5（二） 国内外的文献综述.........................................5（三） 本文的研究方法和思路.....................................61 研究方法...................................................62 研究思路...................................................7二、各商业银行...
