本文選題：商業(yè)銀行　切入點(diǎn)：個(gè)人理財(cái)　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：商業(yè)銀行的個(gè)人理財(cái)產(chǎn)品不僅滿足人們對(duì)金融產(chǎn)品的多元化需求，而且也為商業(yè)銀行帶來(lái)非常多的利潤(rùn)，也就是因?yàn)檫@樣，我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)在近幾年飛速發(fā)展，目前，個(gè)人理財(cái)業(yè)務(wù)已成為我國(guó)商業(yè)銀行競(jìng)爭(zhēng)的關(guān)鍵領(lǐng)域。但是由于我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)起步晚，在飛速發(fā)展的過(guò)程中出現(xiàn)了許多的的問(wèn)題，使我國(guó)商業(yè)銀行面臨不少的風(fēng)險(xiǎn)，同時(shí)也不利于商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的健康發(fā)展。在此背景下，借鑒國(guó)外先進(jìn)經(jīng)驗(yàn)，研究如何加強(qiáng)對(duì)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的風(fēng)險(xiǎn)防范問(wèn)題具有舉足輕重的意義。 本文通過(guò)介紹我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的現(xiàn)狀，并從商業(yè)銀行角度深入的剖析了其面臨的主要風(fēng)險(xiǎn)，對(duì)風(fēng)險(xiǎn)產(chǎn)生的原因進(jìn)行深入的研究和分析。并通過(guò)借鑒發(fā)達(dá)國(guó)家先進(jìn)、豐富的管理經(jīng)驗(yàn)，，并結(jié)合目前我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)開(kāi)展的實(shí)際情況，對(duì)怎樣才能找到一條最適合我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)發(fā)展的道路，并有效強(qiáng)化我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)風(fēng)險(xiǎn)的防范問(wèn)題提出自己的想法。
[Abstract]:The personal financial products of commercial banks not only meet the diversified demand for financial products, but also bring a lot of profits to commercial banks. Because of this, the personal financial services of commercial banks in China have developed rapidly in recent years. At present, personal finance business has become a key area in the competition of commercial banks in our country. However, due to the late start of personal finance business of commercial banks in our country, there are many problems in the process of rapid development. The commercial banks of our country are faced with many risks and are not conducive to the healthy development of the personal finance business of the commercial banks. Under this background, we can learn from the advanced experience of foreign countries. It is of great significance to study how to strengthen the risk prevention of personal finance business of commercial banks. This paper introduces the present situation of personal finance business of commercial banks in our country, analyzes the main risks it faces from the angle of commercial banks, and makes a deep research and analysis on the causes of the risks. With rich management experience and the actual situation of personal finance business of commercial banks in our country, how to find a way that is most suitable for the development of personal finance business of commercial banks in China? And effectively strengthen our commercial banks personal finance business risk prevention problems put forward their own ideas.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.2

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