论文20130521盖后.doc

目 录 中文摘要 1 英文摘要 3 一、前言 5 （一）背景意义 5 （二）文献综述 5 二、我国商业银行个人理财业务的发展及现状 6 （一）商业银行个人理财业务的概述 7 （二）个人理财业务的种类 7 （三）国内商业银行个人理财业务现状 7 三、我国商业银行个人理财业务存在的问题 9 （一）分业经营制约个人理财发展 9 （二）产品研发能力不高，产品同质化现象严重 10 （三）综合素质高的理财人员缺乏，理财业务层次不高 10 （四）营销观念滞后，渠道单一 11 （五）理财业务中存在一定的法律障碍，风险控制不到位 11 四、商业银行开展个人理财业务的对策建议 12 （一）由分业经营向混业经营转变 12 （二）加强理财产品的创新 13 （三）进行理财经理培训，培养高素质综合性人才，进行理财团队的建设 14 （四）改变营销模式，强化理财意识 14 （五）建立完善的风险监控机制，严格控制风险 15 五、结语 16 【参考文献】 17 浅析我国商业银行个人理财业务的问题与对策 【摘 要】：个人理财业务是商业银行的新兴业务，在经济快速发展的今天，居民收入大幅增加，个人理财业务具有广阔的发展前景，将成为银行主要产品之一。我国商业银行个人理财业务在银行经营结构转变、国内民众财富增长、金融机构个人业务服务发展扩大的背景下迅猛发展。目前，我国商业银行业务还处在起步阶段，仍旧存在着许多问题。主要表现在分业经营制约个人理财发展、产品同质化现象严重、综合素质高的理财人员缺乏、营销观念滞后渠道单一、理财业务中存在一定的法律障碍且风险控制不到位等问题上。这些问题需要采取相应措施加以改进，如有分业经营向混业经营转变、加强理财产品创新、培养高素质综合性人才、改变营销模式及建立完善的风险监控模式的措施，文章对此进行思考与分析。 【关键词】：商业银行;个人理财;问题与对策  Analysis of the Problems and Solutions of Personal Financing Business in Chinas Commercial Banks 【Abstract】Personal financing business of commercial banks in China is a new business. With the rapid development of economy, peoples income has increased rapidly and the prospect for the development of personal financing business is very broad, it will be one of product of bank. Personal financing business of commercial banks in China has developed rapidly, against the backdrop of the transformation of banking operation structure, the increase of domestic people’s fortune and the development of personal business services of financing institutions. Nowadays, commercial bank in China is at the start of development and has many problems needs take some measures to improve, the problems such as separate operation restrict the development of personal finance, product homogenization is seriously, lacking of people who has high quality and so on. There are some measures such as transfer the separate operation to mixed operation, enhance the creativity of product, cultivating high quality people and so on. The paper analyzes and thinks about them. 【Key words】commercial bank; personal finance; problem an