金融保险专业毕业设计论文.docVIP

毕业设计（论文） 设计（论文）题目 浅析中国银行个人 金融理财业务存在的问题及对策 学 院 经济管理学院 教 学 系 财经系 班 级 金融保险 姓 名 指导教师 2015 年 6 月 摘要 仅仅在几年前，人们对银行的理财产品还相当陌生，但是随着我国经济的发展今天在中国的大小城市里，它几乎是家喻户晓。短短的几年中，国内商业银行在国内市场上推出人民币和外汇理财产品已达上百个品种，个人金融理财资金已有千亿元的规模。个人金融理财业务的迅速崛起，是随着金融业全面对外开放倒计时的情况下产生的，是国内商业银行加快推进战略性转型的生动写照，而从过去主要面向企业，转道积极发展个人金融理财业务是国内商业银行从战略型转变中所发生的最值得关注的一个变化。目前，中国国内个人金融理财业务正处于起飞阶段，市场前景十分广阔。但是由于我国商业银行的个人金融理财业务刚刚起步，目前主要致力于营销、产品销售、客户关怀服务，还并未展开真正意义上的个人金融理财业务，同时随着各家银行对此项业务的重要性的逐渐认识，个人金融理财业务将进入一个前所未有的大发展。在这种背景下，对我国的个人金融理财业务进行分析和研究就是显得十分迫切且意义重大。本论文以中国银行为例分析个人理财业务存在的问题并提出相应的对策，并探讨我国个人金融理财业务未来发展之路。 关键词：金融理财 商业银行 理财营销 客户经理制 Abstract In just a few years ago, peoples bank financial product is quite strange, but with the development of our country economy the size of the cities in China today, it is almost a household name. A few short years, the domestic commercial Banks to launch RMB and foreign exchange financial products in the domestic market has reached hundreds of varieties, the size of the personal financial services capital of one hundred billion yuan. Is the rapid rise of the personal financial services business, as the financial industry comprehensive opening to the outside world, under the condition of the countdown is a vivid reflection of the domestic commercial Banks to speeding up its strategic transformation, and the main enterprise from the past, diverting a positive development of personal financial services business is domestic commercial Banks from the strategic transformation of one of the most notable changes. At present, Chinas domestic personal financial services business is at the take-off stage, the market prospect is very broad. But because of personal financial business of commercial Banks in China has just started, is currently marketing, product sales and customer care services, also did not expand personal financial services business, in the true sense of the said bu