我国商业银行个人理财业务的现状、问题及建议.doc

我国商业银行个人理财业务的现状、问题及建议

摘要：
个人理财业务是商业银行推进综合化经营战略的重要载体和提高中间业务收入的重要手段。我国商业银行个人理财业务尚处于起步阶段，产品风险揭示不足，品种结构不合理以及粗放式发展等问题仍然存在。
本文首先对个人理财相关的理论进行综述，然后通过在与西方发达国家比较的基础上，总结了我国银行理财产品市场的发展状况，同时针对当前理财市场中值得关注的重点问题展开分析。最后，对商业银行个人理财业务未来的发展方向及思路进行探索，提出建议。

关键词：商业银行；个人理财；现状；问题；建议

Abstract:
Personal financial Services is a commercial banking operation of an integrated strategy to promote the importance of carriers and increase the income of the middle of an important means of business. Commercial Bank of China’s wealth management business is still in its infancy, Reveals the lack of product risks, the variety structure is irrational, as well as extensive development, and so the problem still exists.
Firstly, the theory of personal finance-related were reviewed, and then compared with the western developed countries, outlined the development of financial products market.thirdly, for the current financial market, the key issues of concern will be analyzed. Finally, some recommendations will be put forward for the future direction and to explore ideas.

Key words: commercial banks;personal financial; Status;problems; recommendations

目录
引言 3
1理论综述 3
1.1个人理财业务的内涵 3
1.2目前国内研究成果状况 4
2以美国为代表的发达国家个人理财业务分析 6
2.1个人理财业务在美国的发展 6
2.2发达国家个人理财业务特点 7
2.2.1以“客户为中心”的经营理念 7
2.2.2业务多样化 8
2.2.3业务种类丰富，范围广泛 8
3我国商业银行个人理财业务现状及问题 8
3.1目标客户对象门槛较高 9
3.2网络化程度不高，需要加强信息系统建设 9
3.3专业的理财人员不足，人力资源管理还不完善 10
3.4产品创新能力不强，同质现象严重 11
3.5对客户风险提示及信息披露不充分 12
3.6品牌意识不够强，营销能力较弱 12
3.7多头监管，存在较大的风险漏洞 13
4对我国商业银行个人理财业务未来发展的建议 14
4.1向混业经营转变是必然的趋势 14
4.2加强客户关系管理 15
4.3培育高素质专业化的人才队伍 15
4.4提升技术服务能力，加强新技术应用 16
4.5推行有效的产品策略，探寻理财市场发展新空间 17
4.6加强品牌竞争观念，做好品牌营销 17
4.7完善风险管理，做好收益评估 18
4.8培育良性的个人理财环境 19
结束语 20
参考文献 21