本文關(guān)鍵詞：我國商業(yè)銀行個(gè)人理財(cái)市場建設(shè)與發(fā)展路徑分析　出處：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

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【摘要】：商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)是近年來被理論界和實(shí)務(wù)界持續(xù)探討的熱點(diǎn)問題,究其原因,在于我國商業(yè)銀行的個(gè)人理財(cái)業(yè)務(wù)正在迅猛發(fā)展,這不僅是我國社會(huì)主義市場經(jīng)濟(jì)持續(xù)快速發(fā)展、居民收入水平提高和理財(cái)意識(shí)強(qiáng)化的必然結(jié)果,而且是商業(yè)銀行自身發(fā)展的必然選擇。 本文首先闡述了商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的定義和理論基礎(chǔ),通過梳理發(fā)達(dá)國家或地區(qū)個(gè)人理財(cái)業(yè)務(wù)的產(chǎn)生和發(fā)展背景、總結(jié)其成熟的發(fā)展經(jīng)驗(yàn),在回顧我國商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)發(fā)展歷程的基礎(chǔ)上,分析了我國商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展現(xiàn)狀和存在的問題,在預(yù)測未來發(fā)展路徑選擇的同時(shí)提出了對我國商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展建議。 商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)發(fā)展的外在動(dòng)力有兩個(gè)方面,宏觀上看,個(gè)人理財(cái)業(yè)務(wù)的發(fā)展有利于促進(jìn)儲(chǔ)蓄向投資的轉(zhuǎn)化,從而促進(jìn)國民經(jīng)濟(jì)健康平穩(wěn)地發(fā)展；微觀上看,個(gè)人對于資產(chǎn)保值增值和風(fēng)險(xiǎn)防范的要求為個(gè)人理財(cái)業(yè)務(wù)提供了廣闊的市場需求。商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)發(fā)展的內(nèi)在動(dòng)力是為了尋求新的利潤增長點(diǎn)、實(shí)現(xiàn)資產(chǎn)優(yōu)化配置、開拓新的投資渠道和方式、增加抵御和防范金融風(fēng)險(xiǎn)的能力。
[Abstract]:The personal financial services of commercial banks is a hot issue in recent years by the theorists and practitioners continue to explore, the reason is that China's commercial banks personal financial business is developing rapidly, it is not only our country socialist market economy rapid development, the inevitable result of residents' income level to improve and strengthen the awareness of financial management, and the inevitable choice of the development of commercial banks.
This paper first describes the personal financial management business of commercial banks of the definition and theoretical basis, through the background of creation and development of the personal financial business out of the developed countries or regions, summarizes their successful experience of development, based on a review of the development of personal financial business of commercial banks in China, analyzes the current development of the personal financial business of commercial banks in China and the problems in predicting the future development path selection and put forward proposals for the development of personal financial business of commercial banks in China.
The external motive force of the development of the personal financial services of commercial banks in two aspects, the macro perspective, the development of personal financial services is conducive to promoting the transformation of savings to investment, so as to promote the healthy and stable development of the national economy; the microcosmic view, for individual assets and risk prevention requirements for personal financial services provide a broad market demand. The inner force of the development of the personal financial services of commercial banks in order to seek new profit growth point, to achieve the optimal allocation of assets, open up new investment channels and ways to increase the ability to resist and prevent financial risks.

【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.2

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本文編號(hào)：1357981