本文選題：商業(yè)銀行　切入點：個人理財　出處：《吉林財經(jīng)大學》2013年碩士論文　論文類型：學位論文

【摘要】：隨著經(jīng)濟快速發(fā)展，我國國內(nèi)生產(chǎn)總值（GDP）從2006年的209407億元，增長到2012年的519322億元，增長了約2.47倍，年均增長率在10%左右，居民生活水平不斷提高，財富收益不斷增長。在通貨膨脹的影響下，人們?yōu)榱藴p少負利率的影響，開始有意識的減少儲蓄的比例并尋找新的投資方式，但是在世界經(jīng)濟危機的背景下，我國股市從最高的6124點下降到現(xiàn)在的2000多點，使原本火爆的股票市場和基金市場迅速降溫，大量的資產(chǎn)從兩個市場中撤離，同時，房地產(chǎn)市場也從2008年之前的非理性走高變得萎靡不振。這就給我國商業(yè)銀行個人理財業(yè)務(wù)提供了難得的發(fā)展機遇，相對穩(wěn)健的銀行理財產(chǎn)品開始受到人們的青睞。 本文對國內(nèi)外有關(guān)商業(yè)銀行個人理財業(yè)務(wù)的研究進行了歸納整理并對個人理財?shù)南嚓P(guān)理論進行了研究，在此基礎(chǔ)上以美國個人理財業(yè)務(wù)為切入點，運用比較分析法對中美商業(yè)銀行個人理財業(yè)務(wù)進行對比分析，思考得出了我國個人理財業(yè)務(wù)的改革亮點和創(chuàng)新之處。本文首先闡述了論文的選題依據(jù)，并對國內(nèi)外有關(guān)商業(yè)銀行開展個人理財業(yè)務(wù)的研究文獻進行了歸納整理；其次，介紹了個人理財業(yè)務(wù)的內(nèi)涵、分類和相關(guān)理論，，并分別對比分析了中美兩國個人理財業(yè)務(wù)的發(fā)展階段和發(fā)展現(xiàn)狀；第三是通過對金融環(huán)境、財富環(huán)境和法律環(huán)境的對比，分析出中美商業(yè)銀行個人理財業(yè)務(wù)所處的外部環(huán)境的差異；第四是通過引入案例分別對中美商業(yè)銀行個人理財業(yè)務(wù)的產(chǎn)品設(shè)計、經(jīng)營模式、營銷渠道及專業(yè)人才等方面進行比較，分析出我國個人理財業(yè)務(wù)與美國相比的不足之處；最后，思考得出關(guān)于我國個人理財業(yè)務(wù)發(fā)展的建議，即構(gòu)建發(fā)展我國商業(yè)銀行個人理財業(yè)務(wù)的“四化”戰(zhàn)略體系：產(chǎn)品創(chuàng)新多元化、經(jīng)營模式混業(yè)化、營銷渠道智能化、以及理財人員專業(yè)化。目前，我國商業(yè)銀行個人理財業(yè)務(wù)還處于初級發(fā)展階段，其成長受到宏觀經(jīng)濟環(huán)境、產(chǎn)品創(chuàng)新、營銷渠道、專業(yè)人才等多方面因素的制約，與美國等發(fā)達國家相比還有很大差距，本文運用了比較分析的方法以全新的視角探索出商業(yè)銀行在發(fā)展過程中存在的問題，旨在探索理財市場在國內(nèi)發(fā)展的巨大空間，對于我國金融機構(gòu)的發(fā)展帶來全新生機具有重要意義。
[Abstract]:With the rapid economic development, the gross domestic product (GDP) of our country has increased from twenty trillion nine hundred and forty billion seven hundred million yuan in 2006 to fifty-one trillion nine hundred and thirty-two billion two hundred million yuan in 2012, an increase of about 2.47 times. The average annual growth rate is about 10%, and the standard of living of the residents is constantly improving. Under the influence of inflation, people began to consciously reduce the proportion of savings and find new ways of investing in order to reduce the impact of negative interest rates, but in the context of the world economic crisis, China's stock market has dropped from the highest 6,124 points to more than 2,000 now, which has rapidly cooled the formerly booming stock market and fund market, and a large number of assets have been withdrawn from the two markets. At the same time, The real estate market has also become depressed from the irrational rise before 2008, which provides a rare opportunity for the development of personal finance business of commercial banks in China, and the relatively stable banking financial products begin to be favored by people. In this paper, the domestic and foreign commercial bank personal finance business research has been summarized and sorted, and personal finance related theory has been studied, on the basis of this, the United States personal finance business as the breakthrough point, By using the comparative analysis method, the author makes a comparative analysis of the personal finance business of Chinese and American commercial banks, and thinks about the bright spots and innovations of the personal finance business in China. And the domestic and foreign commercial banks to carry out personal finance business research literature are summarized. Secondly, the connotation, classification and related theory of personal finance business are introduced. In addition, the development stage and current situation of personal finance business in China and the United States are compared and analyzed respectively. The third is the comparison of the financial environment, wealth environment and legal environment. This paper analyzes the differences in the external environment of the personal finance business of the Chinese and American commercial banks. 4th, through the introduction of cases, respectively, the product design and business model of the personal finance business of the Chinese and American commercial banks are analyzed. Comparing marketing channels and professional talents, the paper analyzes the shortcomings of personal finance business in our country compared with the United States. Finally, it gives some suggestions on the development of personal finance business in China. That is, to construct the "four modernizations" strategic system for the development of personal finance business of commercial banks in China: product innovation and diversification, mixed operation mode, intelligent marketing channel, and specialization of financial personnel. The personal financing business of commercial banks in China is still in the primary stage of development. Its growth is restricted by many factors, such as macroeconomic environment, product innovation, marketing channels, professional personnel, etc., and there is still a big gap compared with the developed countries such as the United States. This paper uses the method of comparative analysis to explore the problems existing in the development of commercial banks from a new perspective, in order to explore the huge space for the development of financial markets in China. It is of great significance for the development of financial institutions in China to bring new vitality.
【學位授予單位】：吉林財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.33;F837.12

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