本文選題：中國銀行 + 個人理財業(yè)務(wù)　； 參考：《寧夏大學(xué)》2012年碩士論文

【摘要】：近年來,我國金融體制改革的進一步深入,銀行業(yè)全面向世界開放,個人理財業(yè)務(wù)在我國作為一項新興的金融服務(wù),以其資源廣,風(fēng)險低,易操作,收益穩(wěn)定日益成為了銀行間業(yè)務(wù)發(fā)展競爭的重點。由于國情的限制,我國商業(yè)銀行開展的個人理財業(yè)務(wù)在各方面與發(fā)達國家相比存在著巨大的差距和不足之處,尤其是在個人理財業(yè)務(wù)的積極性和業(yè)務(wù)創(chuàng)新方面遠遠落后于發(fā)達國家,在當(dāng)今金融業(yè)日益走向國際化、金融競爭日益激烈的背景下,如何發(fā)展我國商業(yè)銀行個人理財業(yè)務(wù)是擺在我們面前的一個嶄新課題。 筆者通過查閱大量的文獻資料,從銀監(jiān)會、中國銀行業(yè)協(xié)會等提供的大量公開資料中提煉的信息,結(jié)合專家論述和一些案例調(diào)研以及在中國銀行寧夏回族自治區(qū)分行個人金融部的實際工作情況,采取規(guī)范研究與實證研究相結(jié)合方法,首先敘述了個人理財業(yè)務(wù)的必要性及意義,詳細介紹了個人理財業(yè)務(wù)的理論基礎(chǔ),系統(tǒng)的介紹了中國銀行寧夏區(qū)分行個人理財業(yè)務(wù)的現(xiàn)狀,分析了其在發(fā)展過程中所面臨的諸多問題。采用SWOT對中國銀行寧夏分行現(xiàn)有的優(yōu)勢、劣勢,面臨的機遇和挑戰(zhàn)進行了剖析,從而提出適合中國銀行寧夏分行個人理財業(yè)務(wù)發(fā)展的建議。 本文的研究是基于中國銀行寧夏分行的個人理財業(yè)務(wù),旨在對寧夏商業(yè)銀行的個人理財業(yè)務(wù)起到有益的啟示和借鑒作用。
[Abstract]:In recent years, with the further development of China's financial system reform, the banking industry is fully open to the world. As a new financial service in China, personal finance business is easy to operate because of its wide resources, low risk and easy operation. Income stability has increasingly become the focus of inter-bank business development and competition. Because of the limitation of the national conditions, the personal finance business carried out by commercial banks in our country has a huge gap and shortcomings compared with the developed countries in all aspects. Especially in the enthusiasm of personal finance business and business innovation far behind the developed countries, in today's financial industry is increasingly international, financial competition is becoming increasingly fierce background, How to develop personal finance business of commercial banks in China is a new subject in front of us. By consulting a large number of documents, the author extracts information from a large number of public materials provided by the Banking Regulatory Commission and the China Banking Association. Combining with the expert discussion and some case studies, as well as the actual work of the personal Finance Department of the Ningxia Hui Autonomous Regional Branch of the Bank of China, the method of combining normative research with empirical research is adopted. First of all, it describes the necessity and significance of personal finance business, introduces the theoretical basis of personal finance business in detail, and systematically introduces the current situation of personal finance business in Ningxia District Branch of Bank of China. Many problems in the process of development are analyzed. This paper analyzes the advantages, disadvantages, opportunities and challenges of Ningxia Branch of Bank of China by using SWOT, and puts forward some suggestions for the development of personal finance business of Ningxia Branch of Bank of China. The research of this paper is based on the personal finance business of Ningxia Branch of Bank of China, aiming at providing useful inspiration and reference to the personal finance business of Ningxia Commercial Bank.
【學(xué)位授予單位】：寧夏大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2

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