本文關(guān)鍵詞： 個(gè)人理財(cái)業(yè)務(wù) 中美理財(cái)業(yè)務(wù)現(xiàn)狀 問題及對(duì)策 發(fā)展前景　出處：《河南大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著社會(huì)的進(jìn)步，人民生活水平的提高，人們的投資理財(cái)觀念也發(fā)生很大變化，許多人不再想使用傳統(tǒng)的儲(chǔ)蓄方式，而是希望有新的投資理財(cái)方式的出現(xiàn)。商業(yè)銀行的個(gè)人理財(cái)產(chǎn)品就在這時(shí)應(yīng)運(yùn)而生。理財(cái)業(yè)務(wù)不僅僅在銀行利潤來源中占據(jù)顯著比例，也是商業(yè)銀行持續(xù)發(fā)展的動(dòng)力。相比于較低的存款利息，，個(gè)人理財(cái)產(chǎn)品一經(jīng)推出就大受歡迎。中國的商業(yè)銀行的第一款銀行理財(cái)產(chǎn)品發(fā)行于2004年,這不但使投資者增添了一種新的投資手段，也為理財(cái)市場增添了新的活力。此后，商業(yè)銀行理財(cái)產(chǎn)品進(jìn)入急劇發(fā)展的階段，商業(yè)銀行的收入組成也變成了四大部分，即“存、貸、匯”和“理財(cái)業(yè)務(wù)”。2013年，個(gè)人理財(cái)產(chǎn)品的發(fā)行數(shù)量和發(fā)行規(guī)模均超越了歷史水平，達(dá)到新的高度，互聯(lián)網(wǎng)理財(cái)產(chǎn)品的活躍令個(gè)人理財(cái)市場競爭呈白熱化[1]。近年來，國家大力推廣金融市場改革，開放更多之前禁止商業(yè)銀行涉及的業(yè)務(wù)，商業(yè)銀行個(gè)人理財(cái)產(chǎn)品在金融市場改革和信息技術(shù)高度成熟的便利條件下發(fā)展更加順利。 中國國民財(cái)富急劇擴(kuò)張，與此同時(shí)商業(yè)銀行也面臨經(jīng)營結(jié)構(gòu)轉(zhuǎn)型和多元化經(jīng)營的需求，因此我國的個(gè)人理財(cái)業(yè)務(wù)市場發(fā)展空間非常廣闊。我國的個(gè)人理財(cái)產(chǎn)品一直在堅(jiān)持不懈地求異創(chuàng)新,在市場上也受到廣大投資者的熱烈歡迎。依靠商業(yè)銀行在風(fēng)險(xiǎn)控制和產(chǎn)品營銷上具有的得天獨(dú)厚的優(yōu)勢(shì),個(gè)人理財(cái)產(chǎn)品的市場的發(fā)展前景也更商業(yè)銀行被看好[2]。個(gè)人理財(cái)在為商業(yè)銀行增加了新的利潤點(diǎn)的同時(shí)也改善了銀行整體收支結(jié)構(gòu)，對(duì)商業(yè)銀行的核心競爭力的提升具有很大幫助。 個(gè)人理財(cái)市場蓬勃發(fā)展的同時(shí)也面臨了不少問題，在全球經(jīng)濟(jì)一體化的背景下，我國商業(yè)銀行與個(gè)人理財(cái)相關(guān)的業(yè)務(wù)的投資方向肯定會(huì)面向國外市場，在個(gè)人理財(cái)產(chǎn)品誕生伊始我國熟悉國際交易規(guī)則并能維護(hù)自身合法權(quán)益的專業(yè)金融人才比較少，難以滿足理財(cái)業(yè)務(wù)市場國際化發(fā)展的要求。但是各家商業(yè)銀行已經(jīng)認(rèn)識(shí)到這一問題，并為此作出努力。2002年中美金融策劃論壇在北京舉行，我國開始與國際CFP組織接洽培養(yǎng)中國的國際金融理財(cái)師事宜。截至2012年6月底，我國獲得CFP資格證人數(shù)為14152人，但這一人數(shù)仍不能滿足我國金融機(jī)構(gòu)對(duì)于國際金融理財(cái)專業(yè)才的需求。各大商業(yè)銀行仍需將積極培養(yǎng)專業(yè)人才作為員工培養(yǎng)的重點(diǎn)工作來執(zhí)行。 本文先介紹了個(gè)人理財(cái)業(yè)務(wù)的概念，使讀者對(duì)于個(gè)人理財(cái)有初步的理解，接著描述了個(gè)人理財(cái)業(yè)務(wù)市場目前的發(fā)展?fàn)顩r及美國發(fā)展較成熟個(gè)人理財(cái)業(yè)務(wù)對(duì)我國的借鑒意義，并對(duì)發(fā)展過程中遇到的困境與問題作出分析，在這種基礎(chǔ)上為個(gè)人理財(cái)產(chǎn)品市場的更好發(fā)展提出建議及對(duì)策并對(duì)未來的理財(cái)也如市場的發(fā)展做出展望。
[Abstract]:With the progress of society and the improvement of people's living standard, people's concept of investment and financial management has also changed greatly. Many people no longer want to use the traditional way of saving. It is the hope that new ways of investment and financing will emerge. The personal financial products of commercial banks come into being at this moment. Financial management business not only accounts for a significant proportion of the bank's profit sources. It is also the driving force for the sustained development of commercial banks. Compared with lower deposit interest rates, personal financial products are very popular once they are launched. China's commercial banks launched their first bank wealth management products in 2004. This not only adds a new investment means to investors, but also adds new vitality to the financial management market. Since then, the financial products of commercial banks have entered a stage of rapid development, and the income composition of commercial banks has also become four major parts, that is, "savings," In 2013, the number and scale of the issuance of personal financial products exceeded the historical level and reached a new height. The active Internet financial products have intensified the competition in the personal finance market [1] in recent years. The state has vigorously promoted the reform of the financial market, opened up more businesses that were previously prohibited from commercial banks, and the personal financial products of commercial banks have developed more smoothly under the convenient conditions of financial market reform and highly mature information technology. While China's national wealth has expanded rapidly, commercial banks are also facing the need for structural transformation and diversification. Therefore, the market for personal finance business in China has a very broad development space. Our personal financial products have been persistently seeking for differences and innovations. It is also warmly welcomed by the majority of investors in the market. Relying on the unique advantages of commercial banks in risk control and product marketing, The market for personal financial products is also more promising for commercial banks [2]. Personal finance not only adds new profit points to commercial banks, but also improves the overall structure of the banks' income and expenditure. It is of great help to enhance the core competence of commercial banks. While the personal finance market is booming, it is also facing many problems. Under the background of global economic integration, the investment direction of our commercial banks' business related to personal finance will certainly be oriented to foreign markets. At the beginning of the birth of personal financial products, there were relatively few financial professionals in China who were familiar with the rules of international transactions and were able to safeguard their legitimate rights and interests. It is difficult to meet the requirements of the internationalization of the financial management business market. However, commercial banks have recognized this problem and made efforts to do so. In middle of 2002, the US Financial Planning Forum was held in Beijing. China began to approach the International CFP Organization to train China's international financial planner. By the end of June 2012, the number of people in our country who had obtained the CFP qualification certificate was 14152. However, this number still can not meet the needs of our financial institutions for international financial professionals, and the major commercial banks still need to actively train professional personnel as the focus of staff training to carry out. This paper first introduces the concept of personal finance business, so that readers have a preliminary understanding of personal finance, and then describes the current development of personal finance business market and the development of more mature personal finance business in the United States for reference to our country. Based on the analysis of the difficulties and problems encountered in the process of development, this paper puts forward some suggestions and countermeasures for the better development of the market of personal financial products, and makes a prospect for the future financial management, such as the development of the market.
【學(xué)位授予單位】：河南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2

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