蕉城支行个人理财业务问题的研究.rar
蕉城支行个人理财业务问题的研究,目 录摘要 iiabstract iii引言 11商业银行个人理财业务概述 21.1 个人理财业务的基本内涵 21.2 个人理财业务的种类 22 蕉城支行个人理财业务成就 42.1 现代个人理财业务体系的初步建立..........................................
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蕉城支行个人理财业务问题的研究
目 录
摘要 II
Abstract III
引言 1
1商业银行个人理财业务概述 2
1.1 个人理财业务的基本内涵 2
1.2 个人理财业务的种类 2
2 蕉城支行个人理财业务成就 4
2.1 现代个人理财业务体系的初步建立............................................................................4
2.2 个人理财业务快速发展...............................................................................................4
2.3 科学理财观念................................................................................................................4
3 蕉城支行个人理财业务存在的问题 5
3.1 理财观念及行为存在偏差5
3.2 理财产品风险含量较高.5
3.3 服务水平不达标 6
3.4 缺失专业人才 6
3.5 个人理财业务流程不规范 7
4 美国商业银行个人理财业务对我国的启示.........................................................................8
4.1 金融产品服务................................................................................................................8
4.2 理财顾问........................................................................................................................8
4.3 市场细分和定位............................................................................................................8
4.4 客户管理体系................................................................................................................8
4.5 信息科技........................................................................................................................8
5 蕉城支行个人理财业务的发展对策.................................................................................. 9
5.1 广泛宣传理财知识........................................................................................................9
5.2 强化个人理财产品的风险管理....................................................................................9
5.3 积极构建完善高效的客户服务体系 10
5.4 加快创新管理人才的引进及成立专业理财团队 11
5.5 完善个人理财业务操作流程 11
结论 14
参考文献...................................................................................................................................15
致谢 16
摘 要
随着我国国民经济的快速发展，居民收入的持续增长，个人投资意愿和理财观念逐渐形成，个人理财业务成为商业银行的一项新兴业务。在银行业激烈竞争的今天，中国建设银行蕉城支行若想在个人理财业务中占取市场份额，必须制定符合自身的理财营销策略，在竞争中立于不败之地。
本文结合中国建设银行蕉城支行实际情况，通过对个人理财业务的发展的提出新的问题，总结了蕉城建设银行与其它中国建设行网点个人理财业务发展的差距，并找出其它中国建设银行网点个人理财业务方面值得学习的先进经验。对在个人理财业务工作中遇到的问题总结，对其产生的原因进行深入分析，进而提出相应的发展对策。
关键词：个人理财,风险,理财观念
Abstract
With the rapid development of China's national economy, the continued growth of income, personal investments and financial management concepts will gradually formed, Personal Financial Services as an emerging business of commercial banks.Today, fierce competition in the banking sector, China Construction Bank branch of Jiaocheng if you want they received in the personal financial services market share, consistent with its own financial management must be developed marketing strategies in an invincible position in the competition.
In this paper, Branch of China Construction Bank Jiaocheng the actual situation of the business through the development of personal finance to ask new questions, summarized Jiaocheng Construction Bank, China Construction Bank and other personal financial services network development gap, and find other China Construction Bank Personal finance business network should learn the advanced experience.Personal Financial Services work in the problems in the summary of the causes of its in-depth analysis, puts forward corresponding countermeasures.
Keywords:Personal finance; financial management concepts; risk management
目 录
摘要 II
Abstract III
引言 1
1商业银行个人理财业务概述 2
1.1 个人理财业务的基本内涵 2
1.2 个人理财业务的种类 2
2 蕉城支行个人理财业务成就 4
2.1 现代个人理财业务体系的初步建立............................................................................4
2.2 个人理财业务快速发展...............................................................................................4
2.3 科学理财观念................................................................................................................4
3 蕉城支行个人理财业务存在的问题 5
3.1 理财观念及行为存在偏差5
3.2 理财产品风险含量较高.5
3.3 服务水平不达标 6
3.4 缺失专业人才 6
3.5 个人理财业务流程不规范 7
4 美国商业银行个人理财业务对我国的启示.........................................................................8
4.1 金融产品服务................................................................................................................8
4.2 理财顾问........................................................................................................................8
4.3 市场细分和定位............................................................................................................8
4.4 客户管理体系................................................................................................................8
4.5 信息科技........................................................................................................................8
5 蕉城支行个人理财业务的发展对策.................................................................................. 9
5.1 广泛宣传理财知识........................................................................................................9
5.2 强化个人理财产品的风险管理....................................................................................9
5.3 积极构建完善高效的客户服务体系 10
5.4 加快创新管理人才的引进及成立专业理财团队 11
5.5 完善个人理财业务操作流程 11
结论 14
参考文献...................................................................................................................................15
致谢 16
摘 要
随着我国国民经济的快速发展，居民收入的持续增长，个人投资意愿和理财观念逐渐形成，个人理财业务成为商业银行的一项新兴业务。在银行业激烈竞争的今天，中国建设银行蕉城支行若想在个人理财业务中占取市场份额，必须制定符合自身的理财营销策略，在竞争中立于不败之地。
本文结合中国建设银行蕉城支行实际情况，通过对个人理财业务的发展的提出新的问题，总结了蕉城建设银行与其它中国建设行网点个人理财业务发展的差距，并找出其它中国建设银行网点个人理财业务方面值得学习的先进经验。对在个人理财业务工作中遇到的问题总结，对其产生的原因进行深入分析，进而提出相应的发展对策。
关键词：个人理财,风险,理财观念
Abstract
With the rapid development of China's national economy, the continued growth of income, personal investments and financial management concepts will gradually formed, Personal Financial Services as an emerging business of commercial banks.Today, fierce competition in the banking sector, China Construction Bank branch of Jiaocheng if you want they received in the personal financial services market share, consistent with its own financial management must be developed marketing strategies in an invincible position in the competition.
In this paper, Branch of China Construction Bank Jiaocheng the actual situation of the business through the development of personal finance to ask new questions, summarized Jiaocheng Construction Bank, China Construction Bank and other personal financial services network development gap, and find other China Construction Bank Personal finance business network should learn the advanced experience.Personal Financial Services work in the problems in the summary of the causes of its in-depth analysis, puts forward corresponding countermeasures.
Keywords:Personal finance; financial management concepts; risk management
