我国商业银行个人理财业务发展研究

远程教育学院毕业设计（论文）题目我国商业银个人理财业务发展研究学习中心专业金融学层次学生班号学号指导教师答辩日期远程教育毕业设计（论文）评语姓名：班号：学号：专业：金融学层次：高中起点专科学习中心：毕业设计（论文）题目：我国商业银行个人理财业务发展研究工作起止日期：2012年3月20日起2012年5月30日止指导教师对毕业设计（论文）进行情况、完成质量的评价意见：指导教师签字：指导教师职称：评阅人评阅意见：评阅教师签字：评阅教师职称：答辩委员会评语：根据毕业设计（论文）的材料和学生的答辩情况，答辩委员会作出如下评定：学生毕业设计（论文）答辩成绩评定为：对毕业设计（论文）的特殊评语：答辩委员会主任（签字）：职称：答辩委员会副主任（签字）：答辩委员会委员（签字）：年月日哈尔滨工业大学远程教育毕业设计（论文）任务书姓名：学习中心：沧州财经学校班号：层次：高中起点专科学号：专业：金融学任务起止日期：年月日至年月日毕业设计（论文）题目：我国商业银行个人理财业务发展研究立题的目的和意义：近年来,个人理财业务已成为我国商业银行业务发展的核心内容,如何拓展商业银行个人理财业务显得非常重要。本文分析了商业银行在开展个人理财业务方面存在的问题,并针对性地提出了商业银行拓展个人理财业务的措施和建议。技术要求与主要内容：技术要求：1．广泛阅读与选题有关的文献15篇以上，其中，英文文献至少3篇。结合毕业实习充分掌握一手资料，在论文撰写中运用恰当、贴切。2．运用所学的专业基础理论和专业知识，理论联系实际，分析和解决本课题研究问题。3．在论文撰写过程中，论证要逻辑严密、概念准确、数据可靠、结论正确，符合毕业论文写作规范的各项要求。主要内容：通过概述我国商业银行个人理财业务现状和发展个人理财业务的意义，详尽分析当前我国商业银行个人理财业务存在的问题，从而对问题的根源进行深入的剖析，为推进我国商业银行个人理财业务的进一步发展提供对策。进度安排：2012年3月1日——3月8日进行申报2012年3月10日——3月20日公布指导教师分配情况2012年3月21日——3月31日确定题目、起草提纲及审阅2012年4月1日——4月15日初稿提交及审阅2012年4月16日——5月10日复稿提交及审阅2012年5月11日——5月25日终稿提交及审阅2012年5月26日——5月29日指导教师处理平台论文2012年6月1日——6月10日装订邮寄同组设计者及分工：指导教师签字：___________________年月日教研室主任意见：教研室主任签字：___________________年月日I摘要近年来,个人理财业务已成为我国商业银行业务发展的核心内容,如何拓展商业银行个人理财业务显得非常重要。本文分析了商业银行在开展个人理财业务方面存在的问题,并针对性地提出了商业银行拓展个人理财业务的措施和建议。关键词个人理财业务；商业银行；存在的问题；对策IIAbstractAbstractThelawapplicationofmedicaltreatmenttroubleindemnitydisputecasediffersinjudicialoperationstandard.Somesimilarcasesmayconcludeverydifferently,amongsuchcasesmostofthembelongtospiritindemnityanddeathindemnitycases.ThispaperpointsoutTheCivilLawGeneralRuleshouldbeappliedinmedicaltreatmenttroubleindemnityifone'srightisviolated.Keywords：PersonalFinancialServices；CommercialBanks；shortcomings；TacticIII目录摘要······························································································IAbstract·························································································II目录····························································································III绪论······························································································1一、我国商业银行个人理财业务概述····················································2（一）商业银行个人理财业务的含义··············································2（二）发展进程··········································································2（三）发展现状··········································································21．个人理财业务在我国还处于新兴阶段。·································22．个人理财产品不断丰富。···················································33.个人理财产品的销售规模增长迅速。·····································3（四）当前我国商业银行个人理财业务的种类··································31．个人结算业务··································································32．个人贷款业务··································································43．个人投资业务··································································44．个人代理类服务业务·························································45．个人理财咨询业务····························································46．综合理财服务··································································5（五）国外商业银行个人理财业务的发展历程和特点·························5二、我国商业银行发展个人理财业务的意义···········································7（一）个人理财业务的需求状况····················································71．客户日益多样化的需求······················································72．商业银行生存和发展的要求················································7（二）个人理财业务供给状况·······················································81．基本理财产品··································································82．理财中介机构··································································8三、我国商业银行个人理财业务存在的问题···········································9（一）金融业分业经营制约个人理财业务发展空间····························9（二）个人理财服务门槛设置过高·················································9IV（三）理财方案大众化、理财产品同质化········································9（四）国际货币体系的成因························································10（五）产品体系不完善·······························································10（六）高素质的复合型理财人员匮乏············································10四、推进我国商业银行个人理财业务发展的对策···································12（一）加强与证券、保险、基金等金融机构跨行合作，实行规范的混合经营·······················································································12（二）拓展理财业务品种。························································12（三）做好个人理财业务技术性研究············································13（四）细分客户市场··································································14（五）加强复合型理财人才的培养···············································14（五）加大理财市场的培育························································15结论····························································································17致谢·····························································································18参考文献·······················································································19附录一··························································································20附录二··························································································251绪论随着我国市场经济的发展和改革开放的深化，我国金融市场已经形成各商业银行之