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风暴魔域腾讯游戏boss刷新点:中國商業銀行個人理財產品建設探究

時間:2016-08-03 來源:未知 作者:學術堂 本文字數:6174字

风暴魔域挂机刷魔石,快速培养幻兽升星教程 www.awyiy.icu     本篇論文目錄導航:

【題目】中國商業銀行個人理財產品建設探究 
【第一章】商業銀行個人理財產品創新發展探析緒論 
【第二章】個人理財的相關概念界定及理論分析 
【第三章】境外銀行個人理財產品革新 
【第四章】我國商業銀行個人理財產品發展與創新實踐 
【第五章】我國商業銀行個人理財產品發展中存在的問題 
【第六章】促進我國商業銀行個人理財產品創新的對策建議 
【結論/參考文獻】商業銀行個人理財產品優化研究結論與參考文獻 



  摘 要

  隨著我國社會經濟的高速發展,我國居民的人均收入水平大幅度提升,人們可支配的自由資產不斷增加,使得個人理財需求日益旺盛,個人理財市場持續壯大。個人理財業務的發展具有廣泛的市場需求,以及巨大的市場利潤,它理所當然的吸引了各大商業銀行的關注,越來越多的商業銀行積極的開展自身的個人理財業務,設計開發滿足市場需求的個人理財產品。許多外資銀行也積極的加入到我國的個人理財業務中,積極的搶占市場。目前,伴隨著個人理財業務的持續性發展,它已成為我國經濟發達區域商業銀行發展的重要經濟利潤來源,對商業銀行的現實運營與長期發展具有十分重要的影響。

  個人理財業務的積極發展與有效提升能夠迅速為商業銀行提高競爭優勢,搶占更大的市場份額,增強商業銀行的綜合競爭力,推動商業銀行的快速發展。

  與此同時,伴隨著我國商業銀行個人理財業務的持續性發展,同業之間的競爭也變得更加激烈,加上大量外資銀行的加入,經營壓力增大,所面對的機遇與挑戰增加。如何設計開發出更多個人理財產品,充分圍繞客戶需求,使產品的功能實現客戶的滿意,為銀行發展帶來穩定的高額利潤,都是我國商業銀行經營的重點。因此,研究并實現商業銀行個人理財產品的發展與創新成為解決商業銀行個人理財業務發展的重要選擇,具有十分重要的意義。

  然而,當前商業銀行的發展過程中,我國的個人理財產品與相關業務的發展出現了越來越多的問題,給商業銀行的理財業務造成了十分不利的影響,也使商業銀行的利潤大大縮水。由于國家金融外匯的非穩定因素,個人理財業務也遭遇了短期投機者的狙擊,例如近期流行的“中國大媽”購黃金熱就暴露出個人投資缺乏有效途徑的問題?;謖廡┰?,我們更加應當重新審視個人理財產品發展中的瓶頸問題。另外由于我國商業銀行的理財產品種類有限、收益率低、發展不完善、個人理財市場發展不成熟以及法律和政策的限制等原因,使個人理財產品的發展備受限制,難以真正實現客戶資產增值與發展。因此,推進理財產品的不斷創新,設計更多功能的產品來滿足人們的需求十分關鍵。

  而如何將個人理財業務從低水平的同質化競爭轉向創新能力的競爭,成為各家銀行在市場競爭中制勝的關鍵。

  本文在查閱國內外相關文獻資料及研究成果的基礎上,運用文獻資料法、比較分析法、案例分析法以及理論與實踐相結合法,對我國現階段個人理財產品的發展情況進行了全面性的研究,系統性的就文章的研究背景、意義、國內外的文獻綜述等內容進行了詳細的闡述;引入個人理財的相關概念與理論,金融創新理論和生命周期理論等先進理論對個人理財進行了相對應的發展分析;并借鑒國外商業銀行個人理財產品的創新性發展經驗,結合我國現階段個人理財的創新與發展進行了深入剖析;最后就我國商業銀行個人理財業務發展與創新中所存在的問題進行了重點分析,提出具體的解決對策,以積極促進我國商業銀行個人理財產品創新的實現。

  本文通過研究和探討,得出以下幾點結論:其一,商業銀行個人理財業務的發展可以優化商業銀行業務種類、增加其營業收入及利潤,吸引更多優質客源,從而提升商業銀行競爭力。個人理財業務作為商業銀行的頭牌業務,在商業銀行業務發展中占據著重要地位。其二,通過國內外商業銀行個人理財產品的發展對比, 從國外商業銀行個人理財產品發展與創新的經驗來看,其經營理念、加強產品創新、重視客戶關系管理、專業理財隊伍等是值得我們學習和借鑒的,力求縮小國內外在個人理財產品市場的差距,才能地提高自身水平,使我國商業銀行的個人理財業務向更加成熟穩定的方向發展。其三,我國商業銀行個人理財產品在對其認識、理財產品設計、營銷水平、金融人才、技術手段等方面存在較大的問題,同時,受分業經營的制約、授信制度不完善以及金融市場欠發達等情況也制約了個人理財業務的發展。其四,針對目前我國商業銀行個人理財產品發展中存在的問題,應積極采取改進和創新措施,包括:加強市場調研,明確市場定位;根據生命周期理論進行市場細分,實行差別化服務;鼓勵創新,開發理財業務新類型;規范產品銷售行為,提高理財人員綜合素質;加強個人理財產品的風險控制;合理改善理財服務的價格機制,加大理財業務技術性研究的投入。

  關鍵詞:商業銀行,個人理財,產品創新

  ABSTRACT

  With the sustained and rapid economic development, people's income level and their disposable assetscontinue to increase and people's demands of personal finance also become increasingly strong. With itshuge market profits, personal financial business attracts the attention of various commercial banks, evenincluding the foreign capital banks. Personal financial business has developed as one of the mainbusinesses of commercial banks in developed regions. It affects bank's development trend and is also along-term management strategy for a bank. The improvement of personal financial business ability cangreatly enhance the competitiveness of commercial banks. The sound development of personal financialbusiness of commercial banks can meet the financial needs of customers more accurately and promote therealization of the customer's financial goals.

  Personal finance is a gradually mature business with rampant demand in our country. Commercialbanks in our country not only face the trade competition in their own fields and other financial institutions,but even more urgent, they need to accept the challenges from foreign financial institutions. Especially withthe increase of residents' financial needs and the massive invasion of foreign capital banks, such threeaspects as how to develop personal financial products to bring customers steady and high profits, how toprovide customers with better and more advanced comprehensive services according to the needs ofcustomers, how to firmly own the personal customer group with huge market potential have become theimportant factors by which our commercial banks transform their management strategies and seek newprofit points and the new perspective and new standard of sustainable development. Under thiscircumstance, we must vigorously promote the development and innovation of personal financial productsof our commercial banks.

  However, in recent years, under the background of the related policies, economic development, a lot ofproblems occur in personal financial products of commercial banks in our country and the business itself isfraught with problems and bank financial business suffers from some shrinkage problems. Due to theunsteady factors of national financial foreign exchange, personal finance business also suffers from theattack of short-term speculators. For example, the popular event of “China Boyle” buying gold feverexposed the fact that the personal investment lacks the effective way. For these reasons, we should reviewbottleneck problems in the development of personal financial products. What's more, because of the limitedkinds of financial products, low yields, deficient development, immature development of personal financemarket of our commercial banks and also partly due to the limitation of law and policy, the personalfinancial products of our commercial banks have been in a relatively weak position and cannot effectivelyprovide customers with the real value-added services and should meet people's needs through constantinnovation. The key to success for the banks in market competition is how the banks can transform thepersonal finance business from the low-level homogenized competition to the competition of innovativeability.

  On the basis of related documentation and research results in China and abroad, using the methods ofdocumentation, comparative analysis, case study and combination of theory and practice, I will start fromthe developmental stages of personal financial products in China, define the conceptions such as financialinnovation, and have a deep understanding of the theory of financial innovation and life cycle theory. First Iwill analyze the problems existing in personal financial products in our commercial banks. And then, withsuch examples as som e foreign banks' development of fina ncial products in China and the goldensunflower finance of China Merchants Bank, I will thoroughly analyze the successful cases of differentcommercial banks and draw lessons from them. Based on this and combined with the specific conditions offinancial product market in China, as well as the related theory and experience of the foreign banks, I willpropose the specific suggestions of improving personal financial product innovation of commercial banksin our country and provide reference for t he practice of personal financial product innovation ofcommercial banks.

  Through the studies and discussions in this paper, I come to the following conclusions: First, thedevelopment of perso nal financial business of c ommercial banks can optimize business types ofcommercial banks, increase operating income of co mmercial banks, increase the profit of commercialbanks and attract more customers with high quality so as to promote the competitiveness of commercialbanks. As the leading business of commercial banks, personal financial business occupies an importantposition in the business development of com mercial banks. Second, through the comparison of thedevelopment of personal financial products in commercial banks in China and abroad, studying thedevelopment and innovation experience of personal financial products in the foreign commercial banks, wecan learn such aspects as management ideas, enhancing product innovation, attaching great importance tocustomer relationship management and professional financial management team. We should do our best toreduce the gap in the personal financial product market in China and abroad. Only by doing this, can weimprove the level of our own and develop personal financial business of our commercial banks in a moremature and stable direction. Third, for personal financial products of commercial banks in our country,problems exist in the understanding of personal financial products, financial product design, marketinglevel, financial talents, and technological means. At the same time, such factors as the restriction of thedecentralized management, deficient credit system and underdeveloped financial market also restrict thedevelopment of personal financial business. Fourth, to the current problems existing in the development ofpersonal financial products of com mercial banks in our c ountry, we should take improvement andinnovation measures, including: strengthen market research and ascertain their position in the market; carryout market segmentation and implement differentiated services based on l ife cycle theory; encourageinnovation and develop new types of financial business; regularize product sales behavior and improve thecomprehensive qualities of financial personnel; improve the risk control of personal financial products;reasonably improve price mechanism of financial services and increase the investment in technical researchof financing business.

  KEY WORDS: commercial banks, personal finance, product innovation
 

  目 錄

  摘 要

  ABSTRACT

  第一章 緒論

  一、研究背景與意義

 ?。ㄒ唬┭芯勘塵?/p>

 ?。ǘ┭芯磕康撓胍庖?/p>

  二、國內外文獻綜述

 ?。ㄒ唬┕庀喙匱芯孔凼?/p>

 ?。ǘ┕諳喙匱芯孔凼?/p>

  三、研究內容及方法

  四、本文創新點與不足之處

  第二章 個人理財的相關概念界定及理論分析

  一、個人理財內涵界定

  二、商業銀行個人理財產品的種類及作用

 ?。ㄒ唬┥桃狄懈鋈死聿撇返姆擲?/p>

 ?。ǘ┥桃狄懈鋈死聿撇返淖饔?/p>

  三、商業銀行個人理財產品的理論基礎

 ?。ㄒ唬┙鶉詿蔥呂礪?/p>

 ?。ǘ┥芷誒礪?/p>

 ?。ㄈ┩蹲首楹俠礪?/p>

  第三章 境外商業銀行個人理財產品創新

  一、外資銀行個人理財產品發展與創新

 ?。ㄒ唬┗ㄆ煲懈鋈死聿撇返姆⒄褂氪蔥?/p>

 ?。ǘ┗惴嵋懈鋈死聿撇返姆⒄褂氪蔥?/p>

  二、外資銀行個人理財產品發展與創新的經驗借鑒

 ?。ㄒ唬┲厥涌突Ч叵?/p>

 ?。ǘ┙⒍嘌淖酆俠聿撇誹逑?/p>

 ?。ㄈ┳⒅刈ㄒ等瞬哦游櫚慕ㄉ?/p>

  第四章 我國商業銀行個人理財產品發展與創新實踐

  一、我國商業銀行個人理財產品的發展

 ?。ㄒ唬┪夜桃狄懈鋈死聿撇返姆⒄菇錐?/p>

 ?。ǘ┪夜桃狄懈鋈死聿撇誹氐慵胺⒄骨魘?/p>

 ?。ㄈ┪夜桃狄懈鋈死聿撇返姆⒄瓜腫?/p>

  二、我國個人理財產品創新實踐:以招商銀行金葵花理財為例

 ?。ㄒ唬┕諫桃狄懈鋈死聿婆琶?/p>

 ?。ǘ┱猩桃欣聿頗芰ψ酆戲治?/p>

 ?。ㄈ┱猩桃薪鸝ɡ聿品治?/p>

 ?。ㄋ模┱猩桃薪鸝ɡ聿頻奶厴?/p>

  第五章 我國商業銀行個人理財產品發展中存在的問題

  一、產品品種同質化嚴重,創新能力不高

  二、信息披露不夠完善,風險提示不充分

  三、個人理財業務服務門檻過高,科技理財手段落后

  四、理財人員專業水平及素質偏低

  五、理財產品成為銀行攬儲的工具,創新落后于市場需求

  第六章 促進我國商業銀行個人理財產品創新的對策建議

  一、加強市場調研,明確市場定位

  二、根據生命周期理論進行市場細分,實行差別化服務

  三、鼓勵創新,開發理財業務新類型

  四、規范產品銷售行為,提高理財人員綜合素質

  五、加強個人理財產品的風險控制

  六、合理改善理財服務的價格機制,加大理財業務技術性研究的投入

  第七章 結論與展望

  參考文獻

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