论我国银行理财产品的发展前景分析研究 财务会计学专业VIP免费

摘要我国作为世界上最大的发展中国家，但是经济发展水平仍然偏低、金融主体竞争力不强、金融体系还很脆弱。自入市以来，外资银行的不断涌入，不仅给我国银行业带来了先进的管理方式，而且也带来了巨大的压力。尤其对于中间业务的发展上，外资银行的理财中心纷纷登陆我国市场，期望通过理财业务来吸引优质高端客户，扩大市场份额，因此个人理财业务成为国内外银行角逐的焦点。目前我国理财业务的水平普遍不高，但用发展的眼光来看，随着国家政策的大力扶持、人民群众素质的不断提高及逐渐扩大的市场需求，银行理财业务具有十分丰富的发展潜力。关键词：理财；金融；国家政策；潜力AbstractChinaastheworld'slargestdevelopingcountry,butthelevelofeconomicdevelopmentisstilllow,financialmainlesscompetitive,thefinancialsystemisstillfragile.Sincethestockmarketsincethecontinuousinfluxofforeignbanks,notonlytoChina'sbankingsectoradvancedmanagementmethods,butalsobroughtgreatpressure.Especiallyforthedevelopmentofintermediarybusiness,thefinancialcenteroftheforeignbankshavelandedinChina'smarket,expecttoattracthigh-qualityhigh-endcustomers,expandmarketsharethroughtheFinancialServices,PersonalFinancialServicestobecomethefocusofcontentionofthedomesticandforeignbanks.ThecurrentlevelofChina'swealthmanagementbusinessisgenerallynothigh,butwiththedevelopmentpointofview,withthestrongsupportofnationalpolicy,continuouslyimprovingthequalityofthemasses,andgraduallyexpandthemarketdemand,bankwealthmanagementbusinesshasaveryrichpotentialfordevelopment.Keywords：Financialmanagement;Finance;Nationalpolicy;potential目录一、绪论..................................................................1（一）理财业务的背景分析...............................................1（二）本文的研究意义...................................................1二、国内外银行理财业务发展现状的比较......................................2（一）我国商业银行个人理财业务发展现状.................................2（二）国外商业银行个人理财业务发展现状................................2（三）国内外商业银行理财业务发展的对比分析.............................3（四）理财产品完备性方面差距较大.......................................31.个人理财业务提供的核心产品方面...................................32.在个人理财业务广度方面..........................................43.在个人理财业务深度方面..........................................44.银行理财水平不同................................................55.个人理财服务品牌的重视程度不同..................................5三、我国商业银行个人理财业务存在的问题....................................6（一）商业银行外部制约因素.............................................61.分业经营金融体制的制约..........................................62.利率管制政策....................................................73.理财市场的法律体系和监管机制不完善..............................74.理财观念缺乏....................................................7（二）理财产品创新不足，理财业务层次低.................................7（三）市场推广和开拓不力...............................................8（四）营销渠道单一.....................................................8（五）缺乏组织机构保障.................................................8（六）缺少系统支持.....................................................8（七）专业理财人才欠缺.................................................9（八）银行控制风险能力差...............................................9四、调整营销手段，确立以市场为导...