本文關(guān)鍵詞： 商業(yè)銀行 個(gè)人理財(cái)業(yè)務(wù) 比較分析 創(chuàng)新　出處：《山西財(cái)經(jīng)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：三十年改革開發(fā)，中國(guó)經(jīng)濟(jì)蓬勃發(fā)展，社會(huì)生活巨變。生活水平大幅提高，居民財(cái)富急速增加，，理財(cái)觀念日漸增強(qiáng)，呼喚著國(guó)內(nèi)個(gè)人理財(cái)業(yè)務(wù)的快速發(fā)展。加入WTO后,放寬對(duì)外資商業(yè)銀行的準(zhǔn)入標(biāo)準(zhǔn),外資商業(yè)銀行大規(guī)模紛紛進(jìn)入，大力發(fā)展中間業(yè)務(wù)，中間業(yè)務(wù)成為各大銀行的競(jìng)爭(zhēng)焦點(diǎn)。而個(gè)人理財(cái)業(yè)務(wù)是中間業(yè)務(wù)的重要組成部分，對(duì)中間業(yè)務(wù)的貢獻(xiàn)極大，成為各家銀行競(jìng)相追逐的利潤(rùn)高地。 然而，由于我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)起步晚，目前仍處于發(fā)展的初級(jí)階段。與國(guó)外成熟的個(gè)人理財(cái)業(yè)務(wù)相比，我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)存在著政策、制度、法律、人才與技術(shù)等多方面的不足，存在著巨大的差距。因此迅速趕超我外商業(yè)銀行，加快我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展，就要加大我國(guó)個(gè)人理財(cái)?shù)膭?chuàng)新力度，實(shí)現(xiàn)個(gè)人理財(cái)業(yè)務(wù)質(zhì)的飛躍。 本文首先對(duì)個(gè)人理財(cái)業(yè)務(wù)的內(nèi)涵、種類及理論基礎(chǔ)進(jìn)行梳理，通過對(duì)中外資商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展?fàn)顩r進(jìn)行全面的比較分析,明確我國(guó)個(gè)人理財(cái)業(yè)務(wù)發(fā)展的優(yōu)勢(shì)與不足，探究造成個(gè)人理財(cái)業(yè)務(wù)發(fā)展滯后的原因，剖析個(gè)人理財(cái)業(yè)務(wù)創(chuàng)新的必然性與制約因素，以此為基礎(chǔ)結(jié)合我國(guó)的具體情況尋求借鑒之路，提出加快個(gè)人理財(cái)業(yè)務(wù)發(fā)展的改進(jìn)方案,力求更好地促進(jìn)我國(guó)個(gè)人理財(cái)業(yè)務(wù)持續(xù)、健康、快速發(fā)展。
[Abstract]:Three decades of reform and development, China's booming economy, great changes in social life, a substantial improvement in living standards, a rapid increase in residents' wealth, and a growing concept of financial management are calling for the rapid development of domestic personal finance business. After China's entry into the WTO, By relaxing the entry standards for foreign commercial banks, foreign commercial banks have entered one after another on a large scale, making great efforts to develop intermediary business, which has become the competitive focus of major banks. Personal finance business is an important part of intermediary business. The contribution to the intermediary business is great, becoming the high profit area that the banks chase each other. However, due to the late start of personal finance business of commercial banks in China, it is still in the primary stage of development. Compared with the mature personal finance business abroad, there are policies, systems, laws and regulations in the personal finance business of commercial banks in China. There is a huge gap between talent and technology. Therefore, to catch up with the foreign commercial banks and speed up the development of our commercial banks' personal finance business, we should increase the innovation of personal finance in our country. Achieve personal financial business quality leap. In this paper, the connotation, types and theoretical basis of personal finance business are firstly analyzed, and a comprehensive comparative analysis is made on the development of personal finance business of commercial banks in China and foreign countries. This paper clarifies the advantages and disadvantages of the development of personal finance business in China, probes into the reasons for the lag in the development of personal finance business, and analyzes the inevitability and restriction factors of personal finance business innovation. On the basis of this, combining with the specific situation of our country to seek the way for reference, this paper puts forward the improvement scheme of speeding up the development of personal finance business in order to better promote the sustained, healthy and rapid development of personal finance business in our country.
【學(xué)位授予單位】：山西財(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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