本文選題：甘肅農(nóng)村信用社 + 理財(cái)產(chǎn)品業(yè)務(wù)��； 參考：《蘭州大學(xué)》2015年碩士論文

【摘要】：目前,我國(guó)商業(yè)銀行開(kāi)始追求“以客戶為中心”的營(yíng)銷(xiāo)理念,個(gè)人理財(cái)業(yè)務(wù)便逐步成為增強(qiáng)客戶忠誠(chéng)度、提高銀行競(jìng)爭(zhēng)力的一個(gè)有效手段,是商業(yè)銀行面對(duì)利率市場(chǎng)化后一個(gè)有效增加收入的利器,更成為商業(yè)銀行在市場(chǎng)競(jìng)爭(zhēng)中立于不敗之地的法寶。如今西方國(guó)家的個(gè)人理財(cái)業(yè)務(wù)已經(jīng)進(jìn)入成熟階段,我國(guó)商業(yè)銀行也越來(lái)越重視個(gè)人理財(cái)業(yè)務(wù)的發(fā)展,農(nóng)村信用社作為農(nóng)村金融的主力軍也開(kāi)始利用個(gè)人理財(cái)業(yè)務(wù)的優(yōu)勢(shì)來(lái)發(fā)展壯大自身的力量。同國(guó)內(nèi)其他商業(yè)銀行相比,我國(guó)農(nóng)村信用社存在業(yè)務(wù)種類(lèi)單一、信用風(fēng)險(xiǎn)大等限制性因素,尤其在開(kāi)展個(gè)人理財(cái)業(yè)務(wù)上更凸顯出更多的問(wèn)題。甘肅農(nóng)村信用社作為其中一員,也不可避免的存在許多需要解決的問(wèn)題。本文首先描述了當(dāng)前國(guó)內(nèi)外商業(yè)銀行理財(cái)產(chǎn)品的發(fā)展情況,并分析了甘肅農(nóng)村信用社發(fā)展個(gè)人理財(cái)業(yè)務(wù)的的必要性及可行性,在此基礎(chǔ)上重點(diǎn)對(duì)其發(fā)展的現(xiàn)狀及存在的問(wèn)題進(jìn)行了研究,并提出一些可行性對(duì)策。旨在充分發(fā)揮甘肅農(nóng)村信用社在農(nóng)村市場(chǎng)的主導(dǎo)地位及在城市市場(chǎng)中占一席之地的優(yōu)勢(shì),從而創(chuàng)新個(gè)人理財(cái)產(chǎn)品業(yè)務(wù),實(shí)現(xiàn)增加居民收入來(lái)源及壯大自身力量的雙贏局面。
[Abstract]:At present, the commercial banks of our country begin to pursue the "customer-centered" marketing concept, and personal finance business has gradually become an effective means to enhance customer loyalty and enhance the competitiveness of banks. It is a powerful weapon for commercial banks to increase their income effectively in the face of interest rate marketization, and it also becomes a magic weapon for commercial banks to be invincible in the market competition. Nowadays, the business of personal finance in western countries has entered a mature stage, and commercial banks in our country are paying more and more attention to the development of personal finance business. Rural credit cooperatives as the main force of rural finance also began to use the advantages of personal finance to develop their own strength. Compared with other commercial banks in China, the rural credit cooperatives of our country have many restrictive factors, such as the single type of business and the large credit risk, especially in the development of personal finance business more prominent problems. As one of the members, Gansu Rural Credit Cooperative inevitably has many problems to be solved. This paper first describes the development of financial products of commercial banks at home and abroad, and analyzes the necessity and feasibility of the development of personal finance business in Gansu Rural Credit Cooperatives. On this basis, the present situation and existing problems of its development are studied, and some feasible countermeasures are put forward. The purpose of this paper is to give full play to the dominant position of Gansu Rural Credit Cooperatives in the rural market and their advantages in the urban market so as to innovate the business of personal financial products and realize the win-win situation of increasing residents' income sources and strengthening their own strength.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：F832.2

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