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论文编号：	2103
作者编号：	2005001
上传时间：	2010/4/20 11:14:06
中文题目：	我国商业银行个人理财业务
英文题目：	personal Financial Services Commercial Bank
指导老师：	肖沂
中文关键字：	个人理财业务 商业银行 客户关系管理 生命周期
英文关键字：	personal Financial Services Commercial Bank
中文摘要：	近年来，伴随着我国经济的持续增长,城乡居民收入水平的不断提高,我国个人理财市场的需求不断加大，我国商业银行个人理财业务也得到了快速发展。此外，由于我国加入WTO，实力雄厚的外资银行的纷纷登陆我国来抢占市场，国内资本市场迅速发展，以及利率逐步实行市场化等原因，使得我国商业银行存贷款利差大幅下降，国内金融市场竞争异常激烈。因此，市场需求巨大，利润空间广阔的个人理财市场成为了国内外商业银行争夺的主要市场之一。 虽然，我国商业银行都很重视个人理财业务的开办和推广，并且也积累了许多宝贵的经验，但我国商业银行的个人理财业务还存在了一定的问题，诸如业务品种单一，服务方式简单；营销方式简单，宣传力度不够；专业人才缺乏，硬件设施落后等等，从而阻碍了该项业务的进一步繁荣和发展。 所以，本文从介绍商业银行个人理财业务的相关理论和概念出发，首先介绍了国外个人理财业务的现状、特点和对开展我国商业银行个人理财业务的启示；然后通过比较分析法，重点介绍了我国商业银行个人理财业务的发展现状、存在问题以及导致这些问题出现的内外部制约因素。而本文的核心部分就在于结合中国工商银行的有关案例，着重分析了该行在其开展个人理财业中积累的经验和存在的不足，以及该行给我国其他商业银行在开展个人理财业务方面提供的借鉴，最后，在此基础上提出了我国商业银行个人理财业务的发展对策，包括外部发展建议和内部发展建议两部分，以谋求适合我国商业银业发个人理财业务的发展之路。
英文摘要：	In these years, with the development of the economy in our country and the people get a high payment, a new social stratum with a stable high salary have formed and the personal financial services are in demand more an more , so the personal financial services of our commercial banks get a fast development .What ‘s more, because of joining in WTO, many powerful commercial banks of foreign countries start their business in our country, the enterprises have more and more financing channels, the competition of capital market become more intense the ever before. Therefore, the financial services will become the most important areas and profit growth point of the commercial banks of our country in the competition with the the commercial banks of foreign countries. Although the commercial bank of our country have made much progress in the personal financial services,there’re still many problems holding up the development of the personal financial services in the commercial bank of our country. So this paper starts with the general theory of personal finance services , then take an overview of the development of the personal financial services in the foreign countries, including their situation, traits and the valuable experience for our country. By comparative analysis, this paper intruduce the situation of the personal financial services in the commercial bank of our country, the current problems of them and the internal and externa reasons to these problems. Analysising the the related case of the Industrial and commercial bank of China is the important part of this paper, and then this paper introduce the valuable experience and the shortages of development of its personal financial services of ICBC China to the other commercial bank in China .At last, through analysis , this paper get the final proposed solutions of how our commercial banks to explore the personal financial services, including the internal and external suggestions, inorder to find a correct direction to the development the personal financial services in the commercial banks in our country.
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