本文選題：商業(yè)銀行 + 個人理財��； 參考：《山東大學(xué)》2012年碩士論文

【摘要】：商業(yè)銀行的個人理財業(yè)務(wù)是指商業(yè)銀行根據(jù)客戶個人和家庭的財務(wù)狀況結(jié)合其風(fēng)險承受能力,為其提供的財務(wù)分析、規(guī)劃、投資顧問及資產(chǎn)管理等專業(yè)化服務(wù),并運用各種金融工具幫助客戶構(gòu)建資產(chǎn)組合實現(xiàn)財富的保值和增值,以順利實現(xiàn)其各類理財目標(biāo)。隨著我國經(jīng)濟持續(xù)快速發(fā)展,居民收入水平不斷提高,理財需求日趨強烈,商業(yè)銀行個人理財業(yè)務(wù)備受青睞,現(xiàn)已成為各家銀行競爭的重點領(lǐng)域,任何一家商業(yè)銀行要想在零售業(yè)務(wù)上有所作為,都必須積極采取應(yīng)對措施,制定科學(xué)有效的理財業(yè)務(wù)發(fā)展策略。作者以PFJN分行個人理財業(yè)務(wù)作為研究對象,試圖通過研究找到該行個人理財業(yè)務(wù)發(fā)展的正確方向,提出切實有效的對策和建議。 在論文的第一章緒論部分,作者對論文的研究背景與意義、研究思路與方法、研究框架與內(nèi)容、文獻(xiàn)綜述及研究的創(chuàng)新點和不足作了介紹。第二章作者首先從銀監(jiān)會及國際金融理財標(biāo)準(zhǔn)委員會對個人理財業(yè)務(wù)的不同定義概述個人理財?shù)膬?nèi)涵,之后介紹了發(fā)展商業(yè)銀行個人理財業(yè)務(wù)的重要理論基礎(chǔ),包括生命周期理論、投資組合理論、市場細(xì)分理論和金融創(chuàng)新理論等。論文第三章筆者運用上述理論對PFJN分行個人理財業(yè)務(wù)發(fā)展現(xiàn)狀、存在的問題及根源進行了深入分析。在論文的第四章,筆者在對國內(nèi)外商業(yè)銀行個人理財業(yè)務(wù)發(fā)展歷程、特點分別作了介紹之后,從二者所處發(fā)展階段、市場定位、品牌意識、服務(wù)水平等方面進行比較分析得出可供我國商業(yè)銀行借鑒之處。第五章在二、三、四章的基礎(chǔ)上,作者以相關(guān)理論為基礎(chǔ),借鑒國外商業(yè)銀行理財業(yè)務(wù)發(fā)展先進經(jīng)驗,結(jié)合PFJN分行個人理財業(yè)務(wù)實際情況提出發(fā)展對策和建議。第六章為論文的結(jié)論。 希望本文的研究能對PFJN分行的個人理財業(yè)務(wù)發(fā)展提供一些有益的探索和幫助,以應(yīng)對激烈的理財業(yè)務(wù)同業(yè)市場競爭,實現(xiàn)理財業(yè)務(wù)跨越式的發(fā)展。
[Abstract]:The personal financial management business of commercial banks refers to the specialized services provided by commercial banks according to the financial situation of their clients and their families, including financial analysis, planning, investment consultants and asset management, and so on. All kinds of financial instruments are used to help clients build up asset combinations to maintain and increase their wealth, so as to realize their financial objectives. With the sustained and rapid development of our economy, the increasing income level of residents, the increasingly strong demand for financial management, commercial banks' personal finance business has been favored, and has become a key area of competition among banks. Any commercial bank in order to do something in the retail business, we must take active measures to formulate a scientific and effective financial business development strategy. Taking PFJN branch personal finance business as the object of study, the author tries to find out the correct direction of the development of the bank's personal finance business through the research, and puts forward practical and effective countermeasures and suggestions. In the first chapter, the author introduces the research background and significance, the research ideas and methods, the research framework and content, the literature review and the innovative points and shortcomings of the research. In the second chapter, the author first summarizes the connotation of personal finance from the different definitions of CBRC and the International Financial Management Standards Committee, and then introduces the important theoretical basis for the development of personal finance business in commercial banks. Including life cycle theory, portfolio theory, market segmentation theory and financial innovation theory. In the third chapter, the author analyzes the current situation, problems and root causes of PFJN branch's personal finance business. In the fourth chapter of the paper, the author introduces the development course and characteristics of personal finance business of commercial banks at home and abroad, from the stage of their development, market positioning, brand awareness, Service level and other aspects of comparative analysis can be used for reference by commercial banks in China. The fifth chapter is based on the second, third and fourth chapters. Based on the relevant theories, the author draws lessons from the advanced experience of foreign commercial banks' financial business development, and puts forward the development countermeasures and suggestions combined with the actual situation of PFJN branch's personal finance business. Chapter six is the conclusion of the thesis. It is hoped that the research in this paper can provide some useful exploration and help for the development of personal finance business in PFJN branch in order to cope with the fierce competition in the same industry market and realize the leapfrog development of financial management business.
【學(xué)位授予單位】：山東大學(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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