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| 论文编号： | 2751 | |
| 作者编号： | 2120062336 | |
| 上传时间： | 2010/11/29 8:48:12 | |
| 中文题目： | 国内商业银行个人理财业务创新研究 | |
| 英文题目： | Innovation of Personal Financial Business of Domestic Commercial Banks | |
| 指导老师： | 刘志远 | |
| 中文关键字： | 商业银行 个人理财 创新 | |
| 英文关键字： | Commercial Bank Personal Finance Innovation | |
| 中文摘要： | 国际金融危机之后，金融行业必将面临一轮新的调整与发展机遇。对于国内商业银行来讲，如何面对这种调整与机遇显得至关重要。能够在金融行业激烈的竞争当中立于不败之地，个人理财业务在商业银行未来的发展当中占据着十分重要的地位。而离开了创新，国内商业银行的个人理财业务注定无法与国外商业银行展开竞争。所以，展开对个人理财业务创新的研究，并且将研究结果尽快在实践当中加以利用，对国内商业银行来讲是非常重要和紧迫的任务。 近年来，国内商业银行的个人理财业务取得了可喜的成就。但是由于种种原因，导致国内商业银行在个人理财业务发展创新方面一直处于落后态势，严重制约了其进一步的发展。本文在认真梳理国内外关于商业银行个人理财业务理论与实践的基础上，分析了制约国内商业银行进行个人理财业务创新的因素，并在此基础上提出了国内商业银行进行个人理财业务创新的总体思路和策略，为国内商业银行进行个人理财业务创新研究进行了初步的探索。 | |
| 英文摘要： | After global financial crises, financial industry is facing both adjustment and opportunity. How to choose the way to deal with this situation is vital for domestic commercial banks. Personal financial business will be the most valuable part for commercial banks to remain invincible position and local banks can not fully compete with foreign banks without innovation on personal financial business. Therefore, researching on innovation of personal financial business as soon as possible and utilizing in practice are very important and urgent tasks for domestic commercial banks. In recent years, domestic commercial banks have made gratifying achievements in personal financial business. However, due to various reasons, local banks have been lagging behind in the innovation of personal financial business, which has seriously hampered its further development. Based on theoretical and practical analyzing for the personal financial business of both local and foreign banks, this article analyzed constraints of retail banking development of local banks. Furthermore, it shows the innovation and strategy of local banks’ personal financial business, and provides primarily exploration for local banks on their innovated research of such business. | |
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