【摘要】：改革開放以來，我國經(jīng)濟的發(fā)展取得了輝煌的成績。與三十年前相比，我國人民生活的水平和質(zhì)量得到了大幅度的提升。作為一個強大的經(jīng)濟體，我國的經(jīng)濟水平和發(fā)展速度在新興市場國家中是數(shù)一數(shù)二的。相信只要我國改革開放，個體經(jīng)濟和私營經(jīng)濟在我國經(jīng)濟發(fā)展中所占的比重就會越來越大，因此對國民經(jīng)濟所做出的貢獻也會越來越大，尤其是在緩解就業(yè)壓力方面。不僅如此，隨著我國收入分配制度的日漸成熟與完善，分配格局也將越來越多元化，這會大大提升居民可支配收入的空間，加之中國人自古以來就十分重視財富的積累，所以我國居民儲蓄存款存量將繼續(xù)穩(wěn)中有升。隨著通貨膨脹率和個人資產(chǎn)存量的不斷增加，百姓將慢慢意識到實現(xiàn)個人財產(chǎn)保值與增值的重要性。 相信提起“財富管理”一詞，大部分人腦海中依然是一片空白，這足以說明我國老百姓普遍還未意識到理財?shù)闹匾�。個人理財意識的淡薄大大阻礙了我國金融投資的發(fā)展，加之與專業(yè)投資者相比，個人在技術(shù)、信息和資金量方面完全處于弱勢地位，所以個人投資往往面臨著巨大的風(fēng)險。專業(yè)理財這種面相大眾且有商業(yè)銀行支撐的服務(wù)就應(yīng)運而生了。在專業(yè)結(jié)構(gòu)和理財專家的幫助下，個人不但可以從容的應(yīng)對投資過程中遇到的一些棘手問題，同時還能順利實現(xiàn)資本的增值。 從商業(yè)銀行的角度看，隨著我國資本賬戶的不斷放開以及金融體制的深化發(fā)展，涌入我國的外資銀行也開始逐漸增多，無論是經(jīng)驗方面還是技術(shù)方面，這些外資銀行都有比我國商業(yè)銀行優(yōu)秀的地方。面對外資銀行的競爭，加之傳統(tǒng)資產(chǎn)負(fù)債業(yè)務(wù)基本成型，業(yè)務(wù)空間被不斷壓縮，以及資本收益和資金成本的增加，銀行的表內(nèi)業(yè)務(wù)收入也出現(xiàn)了大幅度的下滑。在這種情況下，商業(yè)銀行只得把重心轉(zhuǎn)移到開發(fā)新型業(yè)務(wù)上，于是個人財富管理業(yè)務(wù)便應(yīng)運而生了，這是一種附加值高、服務(wù)對象多元化、收入穩(wěn)定、業(yè)務(wù)風(fēng)險小的業(yè)務(wù)。但我國的理財業(yè)務(wù)目前仍處于初級階段，其所提供的服務(wù)與市場要求還有很大一段距離，業(yè)務(wù)發(fā)展中還有許多亟待解決的難題。 鑒于此，本文將根據(jù)相關(guān)理論和國外發(fā)達國家的經(jīng)驗對我國個人財富管理業(yè)務(wù)的發(fā)展及其暴露出來的問題展開深入的研究，并在此基礎(chǔ)上給出相應(yīng)的解決辦法，以提升我國商業(yè)銀行的業(yè)務(wù)水平的管理能力，使之順利的完成業(yè)務(wù)轉(zhuǎn)型，同時，本文也可作為商業(yè)銀行開展其他新業(yè)務(wù)的參考。
[Abstract]:Since the reform and opening up, China's economic development has made brilliant achievements. Compared with 30 years ago, our people's living standard and quality have been greatly improved. As a strong economy, China's economic level and speed of development is among the highest among emerging market countries. It is believed that as long as China's reform and opening up, the proportion of the individual economy and the private economy in the economic development of our country will be more and more large, so the contribution to the national economy will be more and more great, especially in alleviating the pressure of employment. Moreover, with the growing maturity and perfection of the income distribution system in our country, the distribution pattern will become more and more diversified, which will greatly enhance the space for the disposable income of the residents, and the Chinese people have attached great importance to the accumulation of wealth since ancient times. So our country resident savings deposit stock will continue to rise steadily. With the increase of inflation rate and the stock of personal assets, people will gradually realize the importance of maintaining and increasing the value of personal property. It is believed that the mention of the word "wealth management" is still a blank in most people's minds, which indicates that Chinese people generally do not realize the importance of financial management. The weak awareness of personal financial management greatly hinders the development of financial investment in China. In addition, compared with professional investors, individuals are in a weak position in technology, information and capital, so personal investment is often faced with huge risks. Professional financial management this face of the public and commercial banks to support the service came into being. With the help of professional structure and financial experts, individuals can not only deal with the thorny problems encountered in the process of investment, but also realize the capital appreciation smoothly. From the perspective of commercial banks, with the continuous liberalization of our capital account and the deepening development of the financial system, the influx of foreign banks into our country has begun to increase gradually, both in experience and in technology. These foreign banks are better than our commercial banks. In the face of the competition of foreign banks and the basic formation of traditional asset-liability business, the business space is constantly compressed, as well as the increase of capital gains and capital costs, the bank's business income in the balance sheet has also declined by a large margin. In this case, commercial banks have to focus on the development of new business, so personal wealth management business came into being, this is a high value-added, diversification of service objects, stable income, small business risk business. However, the financial management business in our country is still in its infancy, the service it provides is still a long way from the market requirement, and there are still many problems to be solved in the business development. In view of this, based on the relevant theories and the experience of foreign developed countries, this paper will carry out in-depth research on the development of personal wealth management business in China and its exposed problems, and on this basis, give the corresponding solutions. In order to improve the management ability of our country's commercial banks and make them complete the business transformation smoothly, this paper can also be used as a reference for commercial banks to carry out other new business.
【學(xué)位授予單位】：吉林財經(jīng)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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