【摘要】：當(dāng)前，創(chuàng)新已經(jīng)成為各個行業(yè)維持生存，促進(jìn)發(fā)展的關(guān)鍵。商業(yè)銀行作為市場的一單元，也必須通過提高自身的產(chǎn)品創(chuàng)新能力增強其核心競爭力。新產(chǎn)品是推動商業(yè)銀行發(fā)展和利潤增長的重要因素。國有商業(yè)銀行個人理財產(chǎn)品的發(fā)展過程體現(xiàn)著銀行產(chǎn)品的創(chuàng)新，隨著客戶對于個人理財產(chǎn)品的強烈需求以及銀行個人理財產(chǎn)品創(chuàng)新進(jìn)程的推進(jìn)，其產(chǎn)品創(chuàng)新政策環(huán)境不完善、監(jiān)管機制不健全、風(fēng)險控制水平不高、創(chuàng)新人才較為缺乏等問題日益顯現(xiàn)。 第一部分：國有商業(yè)銀行個人理財產(chǎn)品創(chuàng)新概述。通過對個人理財產(chǎn)品創(chuàng)新概念的界定和個人理財產(chǎn)品創(chuàng)新的相關(guān)理論分析，提出國有商業(yè)銀行個人理財產(chǎn)品創(chuàng)新的動因，，并且進(jìn)一步分析了國內(nèi)外銀行個人理財產(chǎn)品實踐及啟示，為推動我國國有商業(yè)銀行個人理財產(chǎn)品創(chuàng)新提供了理論基礎(chǔ)。 第二部分：國有商業(yè)銀行個人理財產(chǎn)品創(chuàng)新取得的成就及存在的問題。近些年來，我國商業(yè)銀行不斷開展個人理財產(chǎn)品創(chuàng)新。并且，取得了一些成就，主要表現(xiàn)在：投資幣種的創(chuàng)新、投資結(jié)構(gòu)的創(chuàng)新、風(fēng)險防范的創(chuàng)新和產(chǎn)品收益的創(chuàng)新等方面。但是，盡管商業(yè)銀行在個人理財產(chǎn)品創(chuàng)新這一方面有所成效。然而，仍存在著國家對銀行監(jiān)管力度不夠、金融政策和法規(guī)比較欠缺、產(chǎn)品的市場操作能力不足、產(chǎn)品的創(chuàng)新設(shè)計能力不強、產(chǎn)品的風(fēng)險控制水平不高等一系列問題，從而嚴(yán)重影響了商業(yè)銀行個人理財產(chǎn)品創(chuàng)新的步伐。 第三部分：國有商業(yè)銀行個人理財產(chǎn)品創(chuàng)新存在的問題的成因及解決對策。在這一部分，深入分析了商業(yè)銀行個人理財產(chǎn)品創(chuàng)新中問題產(chǎn)生的原因�？蓺w結(jié)為國家金融政策不完善、金融監(jiān)管機制不健全、創(chuàng)新管理架構(gòu)不完善、創(chuàng)新的專業(yè)人才缺乏以及產(chǎn)品的風(fēng)險控制能力落后等幾個方面原因。在對商業(yè)銀行個人理財產(chǎn)品創(chuàng)新中存在的問題和產(chǎn)生問題的原因加以分析之后，針對問題和原因，本文又提出了相應(yīng)的對策，以解決我國國有商業(yè)銀行個人理財產(chǎn)品創(chuàng)新中的問題，推進(jìn)其個人理財產(chǎn)品創(chuàng)新的步伐。
[Abstract]:At present, innovation has become the key to maintaining and promoting the development of all industries. As a unit of the market, commercial banks must also enhance their core competitiveness by raising their own product innovation ability. The new product is an important factor to promote the development of commercial banks and the growth of profits. The development process of the individual financial products of the state-owned commercial banks embodies the innovation of the bank products, with the customers' strong demand for personal wealth management products and the promotion of the innovation process of the individual wealth management products of the banks, the product innovation policy environment is not perfect, the supervision mechanism is not sound, The problems such as the high risk control level and the lack of innovative talents are becoming more and more evident. Part I: Innovation of the Individual Financial Product of the State-owned Commercial Bank In this paper, through the definition of the concept of the innovation of the individual financial products and the relevant theoretical analysis of the innovation of the individual wealth management products, the author puts forward the cause of the innovation of the individual financial products of the state-owned commercial banks, and further analyses the practice of the individual financial products of the banks at home and abroad. In order to promote the innovation of the individual wealth management products of the state-owned commercial banks in China, Foundation. Part two: The achievements and achievements of the innovation of personal wealth management products of state-owned commercial banks The existing problems. In recent years, the commercial banks of our country continue to carry out personal management The innovation of the financial products has made some achievements, mainly in the innovation of the investment currency, the innovation of the investment structure, the innovation of the risk prevention and the product income. Innovation and so on. However, while commercial banks are innovative in individual wealth management products However, there is still a lack of supervision of the bank, the lack of financial policies and regulations, the shortage of the market operation ability of the products, the lack of the product's innovative design ability, the high risk control level of the products, etc. A series of problems that seriously affect the personal wealth management products of commercial banks The third part: the problems of the innovation of the individual financial products of the state-owned commercial banks This part, in-depth analysis of the innovation of personal wealth management products of commercial banks The cause of the problem is that the state's financial policy is not perfect, the financial supervision mechanism is not sound, the innovation management structure is not perfect, the professional shortage of the innovation and the risk control ability of the product fall After analyzing the problems existing in the innovation of the individual financial products of the commercial banks and the causes of the problems, the paper put forward the corresponding countermeasures to solve the problems and the causes of the problems and the causes, so as to solve the personal financial management of the state-owned commercial banks in our country. The problems in product innovation and the promotion of their personal management
【學(xué)位授予單位】：武漢工程大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2

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