会计财务管理-商业银行个人理财产品的问题与对策.docVIP

PAGE 4 商业银行个人理财产品的问题与对策 摘要 个人理财是人生的一种规划，是我们个人和家庭有效保障生活水平，提高生活质量的一种规划。我国商业银行个人理财业务投资于股票、保险、证券、信托、基金和黄金等众多的理财金融产品。随着商业银行个人理财业务的迅速发展，当今我国商业银行传统业务风险日趋增大。本文分析了我国商业银行个人理财业务发展现状，提出了我国商业银行个人理财业务发展中存在的问题，包括：单一产品和同质性比较强；银行理财思路倒置；技术条件相对落后；商业银行理财产品的流动性不强。文章提出的完善我国商业银行个人理财业务的对策包括：整合创新理财产品；加大理财意识和理财市场的培养；商业银行个人理财产品自主创新；提高商业银行理财产品的流动性。希望通过本文的研究，可以抛砖引玉，对相关领域的研究有所贡献。 关键词：商业银行；个人理财；理财业务 Abstract With the rapid development of Chinas economy and the increase of national personal income, the scope of personal wealth management business is gradually expanding, and diversified wealth management products have also been developed. The increase in business income and the cultivation of professional financial management personnel have caused commercial banks to invest in personal wealth management business. . And use this business as an important means of competing for quality customers and a core economic benefit growth point. Based on the analysis of the development status of personal wealth management business of commercial banks in China, this paper deeply analyzes the problems existing in the development of personal wealth management business of commercial banks in China, including: single product and homogeneity are strong; bank financing ideas are reversed; technical conditions are relatively backward The liquidity of commercial bank wealth management products is not strong. The countermeasures proposed in the article to improve the personal wealth management business of commercial banks in China include: integrating innovative wealth management products; increasing financial management awareness and financial market training; independent innovation of commercial banks personal wealth management products; and improving the liquidity of commercial bank wealth management products. I hope that through the research in this paper, I can make a contribution to the research in related fields. Keywords: commercial bank; personal finance; wealth management business 目录 TOC \o 1-3 \h \z \u