银行理财产品的现状及发展思考..docVIP

编号：0813508 北京工商大学嘉华学院 《金融理财实务》课程论文 题目 银行理财产品的现状及发展思考 院 （系） 金融与贸易系 专 业 金融学 学生姓名 金毅 成 绩 任课教师 汪连新 2011年 6 月 20 日 诚信声明 本人郑重声明：所呈交的毕业论文（设计）是我个人在导师指导下，由我本人独立完成。有关观点、方法、数据和文献等的引用已在文中指出，并与参考文献相对应。 我承诺，论文中的所有内容均真实、可信。如在文中涉及到抄袭或剽窃行为，本人愿承担由此而造成的一切后果及责任。 ? ? 作者签名： 签名日期：2011 年 6月 20日 摘要 近年来为了增加中间业务，拓中高端客户市场，大部分商业银行都在大力推出理财产品。银行销售渠道的优势使这些产品可以触及任何一个持有银行账户的个人，从而对千的个人资产产生深的影响。个人理财业务的创新和发展是我国银行业完善服务功能的重要途径，直接反映出各家银行综合竞争力的强弱。我国商业银行的个人理财业务始于20世纪90年代，较国外发展成熟的业务，我国只是刚刚起步，面对当今商业银行传统业务风险日趋增大，存贷款利差日趋缩小、外资银行步步的势，商业银行应当深刻反思其发展滞后的原因。在学生看来，城市商业银行需以城市居民、中小企业作为市场定位，坚持开发理财产品，重视主动营销、裙带营销方式的运用，注重人才的培养引进，同时近期目标与目标相结合。这样才能强我国银行的综合竞争力，促我国金融业的发展。 In recent years, the middle of the business in order to increase and broaden the high-end customer markets, most commercial banks are seeking to introduce financial products. Bank of the advantages of this special distribution channels so that these products can reach into any bank accounts held by individuals, and thus the personal assets of thousands of families have an extremely far-reaching impact. Personal Financial Services Innovation and development is to improve its service functions of the banking industry an important way, the banks and directly reflect the strength of overall competitiveness. Chinas commercial banks began in the 20th century, personal financial management business 90 years, more foreign businesses already developed, China has just started in this field, in the face of todays traditional business of commercial banks, increasing the risk of increased deposit and loan spreads increasingly narrow, the complexity of foreign banks, pressing harder and harder the situation, commercial banks should deeply reflect on the reasons behind its development. In the student view, city commercial banks need to urban residents, s