本文選題：商業(yè)銀行　切入點(diǎn)：個(gè)人理財(cái)業(yè)務(wù)　出處：《天津商業(yè)大學(xué)》2012年碩士論文

【摘要】：改革開(kāi)放以來(lái)我國(guó)經(jīng)濟(jì)高速發(fā)展，我國(guó)居民收入水平得到進(jìn)一步提高。經(jīng)濟(jì)的發(fā)展和各項(xiàng)體制的改革使人們更多的關(guān)注自己的財(cái)務(wù)狀況，，不再滿足于傳統(tǒng)的儲(chǔ)蓄方式來(lái)增加財(cái)富，而是迫切需要通過(guò)多層次、多樣化的金融投資工具使未來(lái)生活有所保障,同時(shí)擴(kuò)大投資收益來(lái)源。但是，面對(duì)日益復(fù)雜的市場(chǎng)環(huán)境，個(gè)人專業(yè)知識(shí)十分匱乏，因此，尋求專業(yè)的理財(cái)機(jī)構(gòu)，提高專業(yè)化、個(gè)性化的理財(cái)服務(wù)成為必要。 本文通過(guò)分析個(gè)人理財(cái)業(yè)務(wù)的發(fā)展過(guò)程及其現(xiàn)狀，對(duì)比國(guó)外個(gè)人理財(cái)業(yè)務(wù)的發(fā)展，吸取先進(jìn)的個(gè)人理財(cái)業(yè)務(wù)監(jiān)管經(jīng)驗(yàn)，對(duì)政府監(jiān)管部門，商業(yè)銀行自身的風(fēng)險(xiǎn)內(nèi)控機(jī)制以及市場(chǎng)監(jiān)管的研究和制度的探討，建立起一個(gè)三位一體的監(jiān)管框架模式，從而實(shí)現(xiàn)商業(yè)銀行理財(cái)市場(chǎng)的監(jiān)管目標(biāo)。本文采用理論與實(shí)際相結(jié)合的方法，分析商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)及其監(jiān)管的理論發(fā)展過(guò)程，探索監(jiān)管的具體措施和方法。通過(guò)分析國(guó)外商業(yè)銀行理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)監(jiān)管的監(jiān)管手段和成功案例，從中發(fā)現(xiàn)我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的風(fēng)險(xiǎn)監(jiān)管存在的差距，提出我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)監(jiān)管所應(yīng)當(dāng)采取的路徑。
[Abstract]:Since the reform and opening up, China's rapid economic development, China's income level has been further improved.Economic development and institutional reforms have made people pay more attention to their own financial situation, no longer satisfied with the traditional way of saving to increase wealth, but urgent need through multiple levels.Diversification of financial investment instruments to ensure future life, while expanding the source of investment income.However, in the face of increasingly complex market environment, personal professional knowledge is very scarce. Therefore, it is necessary to seek professional financial institutions and improve specialized and personalized financial services.By analyzing the development process and present situation of personal finance business, this paper compares the development of personal finance business abroad, draws on the advanced experience of personal finance business supervision, and gives the supervision department to the government.The internal risk control mechanism of commercial banks and the research and system of market supervision have established a trinity regulatory framework model to realize the supervision goal of commercial banks financial management market.This paper adopts the method of combining theory with practice to analyze the risk of personal finance business of commercial banks and the theoretical development process of supervision, and to explore the concrete measures and methods of supervision.By analyzing the supervision methods and successful cases of foreign commercial banks' financial management business risk supervision, the author finds out the gap in the risk supervision of commercial banks' personal finance business in China.Put forward our country commercial bank personal finance business supervision should take the path.
【學(xué)位授予單位】：天津商業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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