本文關(guān)鍵詞： 商業(yè)銀行 個人理財 策略研究　出處：《黑龍江大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：個人理財業(yè)務(wù)作為一項新興起來的業(yè)務(wù),以其低風險、高收益的優(yōu)勢,逐漸成為商業(yè)銀行利潤的重要組成之一,各家商業(yè)銀行都希望在個人理財業(yè)務(wù)收獲的巨大利潤上分一杯羹,成為個人理財業(yè)務(wù)上的霸主。現(xiàn)階段,個人理財業(yè)務(wù)在我國還是處于不成熟的階段,國內(nèi)個人理財業(yè)務(wù)要做到與國際市場接軌還尚待時日。因此商業(yè)銀行拓寬個人理財業(yè)務(wù)范圍,深化個人理財業(yè)務(wù)的發(fā)展已經(jīng)到了分秒必爭的階段。本文主要從個人理財業(yè)務(wù)的相關(guān)理論入手,闡述了個人理財業(yè)務(wù)相關(guān)的三個重要理論,即生命周期理論、投資組合理論、行為金融學(xué)理論。通過介紹國外商業(yè)銀行的發(fā)展狀況,分析出一些值得國內(nèi)商業(yè)銀行借鑒的經(jīng)驗,采用比較的方法,找出H銀行個人理財業(yè)務(wù)發(fā)展中存在的問題及產(chǎn)生的原因。最后,提出H銀行開展個人理財業(yè)務(wù)發(fā)展應(yīng)采取的策略,從提供多樣化和創(chuàng)新性的理財產(chǎn)品、樹立服務(wù)品牌、組織專業(yè)化的人才團隊、完善風險管理體系、健全客戶關(guān)系管理體系等幾個方面提出建議。
[Abstract]:As an emerging business, personal finance business has gradually become one of the important components of commercial bank profits with its advantages of low risk and high income. Each commercial bank hopes to get a share of the huge profits from its personal finance business and become the hegemon in its personal finance business. At this stage, personal finance business is still in its infancy in our country. It is still some time before the domestic personal finance business can be integrated with the international market. Therefore, commercial banks have broadened the scope of their personal finance business. To deepen the development of personal finance business has reached the stage of every second. This paper mainly starts with the relevant theories of personal finance business, and expounds three important theories related to personal finance business, namely, life cycle theory, portfolio theory, and so on. Behavioral finance theory. By introducing the development of foreign commercial banks, this paper analyzes some experiences that domestic commercial banks can use for reference, and adopts comparative methods. To find out the problems and reasons in the development of personal finance business of bank H. Finally, the paper puts forward the strategy that H bank should adopt in the development of personal finance business, from providing diversified and innovative financial management products, setting up service brand, To organize a professional talent team, perfect the risk management system, perfect the customer relationship management system and put forward some suggestions.
【學(xué)位授予單位】：黑龍江大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.2

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