商业银行个人理财业务规划和发展.docVIP

哈 尔 滨 理 工 大 学 毕业题 目：： 商业银行个人理财业务规划和发展 摘 要 本文针对我国商业银行个人理财现状，对比国外的发展概况，阐述我国在个人理财业务方面存在的问题，找出其制约因素，最后提出问题的解决对策。文章首先提出研究背景和意义，再介绍写作框架；然后介绍了国外商业银行开展个人理财业务的具体情况，结合我国的现状进行对比，分析我国商业银行存在问题。本文经过分析发现，我国商业银行在外部环境和自身经营管理如营销技术、产品创新以及人员素质等方面存在劣势，制约了我国商业银行个人理财业务的开展。针对以上情况，作者提出了相应的对策建议。本文主要从商业银行自身如何发展的角度，认为我国商业银行要借鉴在营销、制度、硬件等方面的经验进行改进，以便个人理财业务的顺利开展。 关键词 商业银行；个人理财业务；策略；中间业务；产品创新 ABSTRACT This thesis starts with the Personal financial services situation of Chinese bank ,contrasts the development of overseas banks , stated that our country question which exists in personal financial services ,discovers the restriction factor, proposes the question solution countermeasure. The thesis first proposed that the research background and the significance, the introduced the writing frame again; Then introduced the special details and development of the overseas Commercial bank Personal financial services, unifies our countrys present situation to carry on the contrast, analyzes the problem of our country Commercial bank to have. Our country Commercial bank in the external environment and own management and operation like marketing technology, product innovation , personnel quality have the inferiority, these have restricted development to our country Commercial bank Personal financial services .In view of the above situation, the author put forward the corresponding countermeasure proposal. This paper mainly the angle which from how to develop Commercial bank , thought that our country Commercial bank make the improvement should refer these aspects like marketing, system, hardware experiences and so on. Keywords：Commercial ank；Personal Financial Services；Suggestion；Intermediary Business；Product Innovation 目 录 摘要.................................................................I Abstract.............................................................II 第1章 绪论..........................................1 1.1研究的背景1 1.2研究的目的和意义 1 1.2.1研究的目的 1 1.2.2研究的意义 1 1.3国内外研究现状 1.3.1国外研究现状 1.3.2国内研究现状