【摘要】：隨著經(jīng)濟(jì)持續(xù)穩(wěn)定發(fā)展,居民收入有了大幅度的增長,伴隨而來的是人們對理財(cái)服務(wù)需求的日益增長,這意味著商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)有著巨大的發(fā)展?jié)摿涂臻g。但是,隨著外資銀行、地方性銀行及股份制銀行紛紛進(jìn)入呼和浩特市,目前中國農(nóng)業(yè)銀行內(nèi)蒙古分行營業(yè)部個(gè)人理財(cái)業(yè)務(wù)的發(fā)展遠(yuǎn)遠(yuǎn)跟不上市場需求的步伐,如何借鑒國際先進(jìn)銀行發(fā)展個(gè)人理財(cái)業(yè)務(wù)的經(jīng)驗(yàn),結(jié)合呼和浩特市實(shí)際情況,促進(jìn)中國農(nóng)行銀行內(nèi)蒙古分行營業(yè)部個(gè)人理財(cái)業(yè)務(wù)更好更快的發(fā)展,保持甚至進(jìn)一步提高個(gè)人理財(cái)產(chǎn)品在金融市場占有率,是目前中國農(nóng)行銀行內(nèi)蒙古分行營業(yè)部迫切需要解決的問題。 論文以中國農(nóng)業(yè)銀行內(nèi)蒙古分行營業(yè)部個(gè)人理財(cái)業(yè)務(wù)發(fā)展為研究對象,介紹了與商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)相關(guān)概述及理論研究綜述,系統(tǒng)分析了中國農(nóng)行銀行內(nèi)蒙古分行營業(yè)部個(gè)人理財(cái)業(yè)務(wù)發(fā)展的現(xiàn)狀,分析了制約農(nóng)業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)發(fā)展中的宏觀和微觀方面的問題,以國外個(gè)人理財(cái)發(fā)展經(jīng)驗(yàn)為鑒,介紹了瑞士銀行和美國花旗銀行個(gè)人理財(cái)業(yè)務(wù)方面的先進(jìn)經(jīng)驗(yàn)。針對中國農(nóng)業(yè)銀行內(nèi)蒙古分行營業(yè)部發(fā)展個(gè)人理財(cái)業(yè)務(wù)存在的問題,從健全農(nóng)業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)內(nèi)部運(yùn)行機(jī)制和完善其發(fā)展的外部環(huán)境兩個(gè)方面提出了相應(yīng)的對策建議。
[Abstract]:With the sustained and stable development of the economy, the income of the residents has increased by a large margin, accompanied by the growing demand for financial services, which means that commercial banks have great potential and space for personal financial services. However, with foreign banks, local banks and joint-stock banks entering Hohhot one after another, the development of personal finance business in the Inner Mongolia Branch of the Agricultural Bank of China is far from keeping up with the pace of market demand. How to learn from the experience of international advanced banks in developing personal finance business, and combining with the actual situation in Hohhot City, to promote the better and faster development of personal finance business of the Inner Mongolia Branch of Agricultural Bank of China, Maintaining and even further increasing the share of personal financial products in the financial market is an urgent problem to be solved by the Inner Mongolia Branch of Agricultural Bank of China. Taking the development of personal finance business of Inner Mongolia Branch of Agricultural Bank of China as the research object, this paper introduces the overview and theoretical research of personal finance business related to commercial bank. This paper systematically analyzes the present situation of the personal finance business development of the Inner Mongolia Branch of Agricultural Bank of China, analyzes the macro and micro problems in restricting the development of the personal finance business of the Agricultural Bank of China, and draws lessons from the experience of foreign countries in the development of personal finance business. This paper introduces the advanced experience of UBS and Citibank in personal finance business. In view of the problems existing in the development of personal finance business in Inner Mongolia Branch of Agricultural Bank of China, this paper puts forward corresponding countermeasures and suggestions from two aspects: perfecting the internal operating mechanism of personal finance business of Agricultural Bank of China and perfecting the external environment for its development.
【學(xué)位授予單位】：內(nèi)蒙古農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2

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