本文選題：中信銀行 + 個(gè)人理財(cái)業(yè)務(wù)發(fā)展��； 參考：《河南科技大學(xué)》2013年碩士論文

【摘要】：中國經(jīng)濟(jì)的快速增長催生了金融市場的繁榮，從而為理財(cái)業(yè)務(wù)的發(fā)展創(chuàng)了良好的市場環(huán)境。隨著人們手中的可支配資金增多以及不斷增長的投資和消費(fèi)需求，個(gè)人理財(cái)業(yè)務(wù)開始逐漸走進(jìn)人們的視野。個(gè)人理財(cái)憑借它的穩(wěn)定性、收益性以及長遠(yuǎn)發(fā)展性使得該業(yè)務(wù)在金融市場中逐漸占據(jù)一定市場份額。如今，個(gè)人理財(cái)已成為人們?nèi)粘Ｉ钪幸豁?xiàng)重要的經(jīng)濟(jì)活動。洛陽中信銀行開展個(gè)人理財(cái)業(yè)務(wù)不僅是緩解銀行存貸矛盾的有效手段，也是應(yīng)對金融資產(chǎn)風(fēng)險(xiǎn)的現(xiàn)實(shí)需要，更是銀行實(shí)現(xiàn)戰(zhàn)略目標(biāo)和戰(zhàn)略轉(zhuǎn)型和科學(xué)發(fā)展的不二選擇。為了提升市場競爭力，洛陽中信銀行積極拓展個(gè)人理財(cái)業(yè)務(wù)，開發(fā)銀行的利潤空間和增長點(diǎn)、完善風(fēng)險(xiǎn)內(nèi)控體系、優(yōu)化銀行內(nèi)部結(jié)構(gòu)等。 本論文的展開建立在洛陽中信銀行個(gè)人理財(cái)業(yè)務(wù)發(fā)展?fàn)顩r的基礎(chǔ)之上，通過分析洛陽中信銀行的內(nèi)外環(huán)境形勢和解析個(gè)人理財(cái)業(yè)務(wù)發(fā)展中出現(xiàn)的問題，最終提出洛陽中信銀行個(gè)人理財(cái)業(yè)務(wù)的戰(zhàn)略發(fā)展策略及保障措施。 通過論述，本論文認(rèn)為洛陽中信銀行要完成個(gè)人理財(cái)業(yè)務(wù)的成功拓展，還需要很長一段路要走，銀行需要改進(jìn)理財(cái)經(jīng)營理念、創(chuàng)新理財(cái)經(jīng)營模式，既要打造良好持續(xù)的客戶關(guān)系管理，，也要因人而異、因市而異轉(zhuǎn)變經(jīng)營手段，實(shí)行個(gè)性化和差異化理財(cái)服務(wù)，同時(shí)對理財(cái)經(jīng)理隊(duì)伍建設(shè)進(jìn)行監(jiān)管和優(yōu)化，只有這樣，才能保障洛陽中信銀行個(gè)人理財(cái)業(yè)務(wù)高能、高效、高質(zhì)的發(fā)展。
[Abstract]:The rapid economic growth of China has given birth to the prosperity of financial markets, thus creating a good market environment for the development of financial services. With the increase of disposable funds and the increasing demand for investment and consumption, personal finance business has gradually come into people's view. With its stability, profitability and long-term development, personal finance gradually occupies a certain market share in the financial market. Nowadays, personal finance has become an important economic activity in people's daily life. Luoyang CITIC Bank's personal finance business is not only an effective means to alleviate the contradiction between deposit and loan, but also a practical need to deal with the risks of financial assets. It is also a choice for banks to achieve strategic objectives and strategic transformation and scientific development. In order to enhance the market competitiveness, Luoyang CITIC Bank actively develops personal finance business, develops the profit space and growth point of the bank, improves the internal risk control system, and optimizes the internal structure of the bank. Based on the development of personal finance business of Luoyang CITIC Bank, this paper analyzes the internal and external environment of Luoyang CITIC Bank and analyzes the problems in the development of personal Finance Business. Finally, the strategic development strategy and safeguard measures of personal finance business of Luoyang CITIC Bank are put forward. Through discussion, this paper thinks that Luoyang CITIC Bank needs a long way to complete the successful expansion of personal finance business, banks need to improve the concept of financial management, innovative financial management mode, It is necessary not only to create good and continuous customer relationship management, but also to vary from person to person, to change business methods according to the city, to implement personalized and differentiated financial management services, and to supervise and optimize the construction of the contingent of financial managers. Only in this way, Can guarantee Luoyang CITIC Bank personal finance business high energy, high-efficiency, high-quality development.
【學(xué)位授予單位】：河南科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 江西省城市金融學(xué)會課題組;張少華;金軍慶;鄭東;鄧春建;;商業(yè)銀行渠道交叉營銷管理模式研究[J];金融論壇;2011年06期

2 王芊;;我國個(gè)人理財(cái)業(yè)務(wù)的發(fā)展現(xiàn)狀及思考[J];黑龍江對外經(jīng)貿(mào);2009年02期

3 曾誠;;平衡計(jì)分卡、企業(yè)績效評價(jià)與銀行戰(zhàn)略管理[J];廣東金融學(xué)院學(xué)報(bào);2008年01期

4 何樹紅;楊世穩(wěn);陳浩;;我國商業(yè)銀行個(gè)人理財(cái)模式探索[J];經(jīng)濟(jì)問題探索;2010年05期

5 叢斌;;我國商業(yè)銀行個(gè)人理財(cái)產(chǎn)品的營銷策略研究[J];財(cái)會研究;2013年08期

6 吳世亮;;制約中國商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)發(fā)展的十大因素[J];首都經(jīng)濟(jì)貿(mào)易大學(xué)學(xué)報(bào);2008年05期

7 江春;張青;;生命周期理論及其在零售銀行個(gè)人理財(cái)業(yè)務(wù)中的應(yīng)用[J];金融發(fā)展研究;2008年02期

8 程彩君;;我國居民理財(cái)現(xiàn)狀和理財(cái)風(fēng)險(xiǎn)防范探析[J];武漢科技學(xué)院學(xué)報(bào);2008年12期

9 李健,鄭如霞;網(wǎng)絡(luò)時(shí)代的客戶關(guān)系管理[J];中央財(cái)經(jīng)大學(xué)學(xué)報(bào);2001年06期

10 曹曉燕;;商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)與法律風(fēng)險(xiǎn)控制[J];中央財(cái)經(jīng)大學(xué)學(xué)報(bào);2006年12期

本文編號：1929534