我国商业银行个人理财业务研究篇一：我国商业银行个人理财业务开展研究摘要我国在改革开放以后，生活水平得到了特别大的改善，人们逐步走向小康生活，个人理财在我国当前社会极度匮乏。面临如此大的市场需求，我国商业银行在开展个人理财业务过程中显得异常乏力。然而，通过为客户提供理财效劳，为客户指定财务治理的目的和打算商业银行在获得相应酬劳的同时能够有效的提高本人在市场中的地位，能够进一步促进商业银行个人理财业务的开展。因而，对我国商业银行个人理财业务开展进展研究显得尤为重要。本文对我国商业银行个人理财业务的概念及特点进展了简要说明，并对我国商业银行当前在个人理财业务方面存在的征询题进展分析，提出相关的对策，促进我国商业银行个人理财业务的开展。关键字：商业银行；个人理财业务；开展；研究AbstractAfterthereformandopeningupinChina,muchprogresshasbeenlivingstandards,peoplegraduallytowardsawell-offlife,personalfinanceinourcountry,therewasaterribleshortageofthecurrentsociety.Facingsuchalargemarketdemand,ourcountrycommercialbankintheprocessofpersonalfinancebusinessisextremelyweak.Byprovidingfinancialservicestocustomers,however,forthecustomertospecifythegoaloffinancialmanagementandplanning,commercialBanksingetcorrespondingremunerationatthesametime,caneffectivelyimproveyourselfinthepositioninthemarket,tofurtherpromotethedevelopmentofcommercialbankpersonalfinancingbusiness.Therefore,thestudyofourcountrycommercialbankindividualfinancingbusinessdevelopmentisparticularlyimportant.Inthispaper,theconceptandcharacteristicsofourcountrycommercialbankindividualfinancingbusinesshascarriedonthebriefdescription,andthecurrentChinesecommercialBanksintermsofpersonalfinancebusinessanalysisofexistingproblems,putsforwardrelevantcountermeasures,promotethedevelopmentofourcountrycommercialbankindividualfinancingbusiness.Keywords:commercialBanks;Personalfinancingbusiness;Development;research目录摘要..............................................................1Abstract............................................................3一、绪论............................................................5（一）研究背景和意义............................................51、研究的背景................................................52、研究的意义................................................5（二）主要研究内容..............................................6二、商业银行个人理财业务介绍及其特点分析............................6（一）商业银行个人理财业务概述..................................6（二）商业银行个人理财业务的特点................................6三、我国商业银行个人理财业务中面临的征询题分析........................7（一）产权与构造存在征询题，战略转型的内在要求持续加大............7（二）商业银行个人理财业务对个人参谋的依赖过度..................7（三）对客户需求理解缺乏，个人理财业务针对性不强................7（四）营销体系和定价机制不健全妨碍长远开展......................8（五）效劳体系不健全妨碍业务质量................................9四、完善我国商业银行个人理财业务的措施..............................9（一）完善产权与治理构造，建立社会诚信体系.....................10（二）减轻对外界依赖度.........................................10（三）制造广泛的金融环境.......................................10（四）完善业务营销体系，加强风险治理...........................10（五）加强差异化鼓舞措施的运用.................................11五、总结...........................................................11参考文献：............................
