商业银行论文︰商业银行个人财富管理业务发展现状、存在问题及对策研究.docVIP

商业银行论文：商业银行个人财富管理业务发展现状、存在问题及对策研究 【中文摘要】随着我国经济的快速发展和我国居民可支配收入的增加,个人财富存量的积累已相当可观,由于我国居民理财观念淡薄,在全球性通胀的大背景下,居民的理财需求日益积聚。由于我国金融市场建设还有待完善,投资方式和投资途径相对单一,个人资产缺乏科学有效的综合规划管理途径。商业银行个人财富管理业务的发展为居民个人理财提供了一个广阔的平台,在一定程度上缓解了这种现状,并已逐渐成为我国商业银行增强核心竞争力的重要途径。但由于我国的个人财富管理业务发展时间较短,难免在实际经营中存在各种各样不尽人意的地方。为实现个人财富管理业务的可持续发展,必须对当前业务的发展现状进行深入分析,发现业务发展中存在的问题,并提出合理有效的解决方案。本文正是以此为出发点,立足于实际,希望能通过新问题和新对策的提出,为今后的相关研究提供一个全新的视角。本文依托于现有金融理论研究成果,对商业银行个人财富管理业务的内涵做出较为准确的界定,从银行和客户两个角度分析了我国商业银行理财业务发展的必要性,将外资银行相对成熟的财富管理业务的经营模式和发展经验与我国商业银行个人财富管理业务的发展现状进行对比,指出当前我国个人财富管理业务发展的误区和实际业务操作中存在的不足,结合作者多年理财从业经验,提出解决相关问题的合理化建议,并结合当前银行理财业务发展的实际情况,说明当前正蓬勃发展的针对特定人群的私人银行业务,是现阶段个人财富管理业务的较理想化体现,是财富管理核心思想的终极落实,是未来财富管理业务的基础与有效借鉴。 【英文摘要】With China’s rapid economic development and increasing disposal income of Chinese people. individual wealth has reached to a considerable quantity. However. with poor financial management. people’s need of financial managing keeps increasing in the context of global inflation. Since the construction of China’s financial markets need improving and the way of investment is relatively simple. the management of personal assert is ineffective. The personal financial service of commercial banks. which. to some extent. has solved this problem and become an important way to strengthen the competence of enterprises. provides a broad platform with the individuals. But this kind of service has newly come to China; hence. it’s inevitable that some aspects can’t fulfill people’s need. In order to implement sustainable development of personal financial service. it’s necessary to further analyze the current developing state of this service and find out the problems in it to raise a reasonable solution. In the paper. these problems were discussed and I hope I can put forward a new field of vision in this issue.Basing on the current achievement of finance theory. this paper specifically defined Personal Financial Service and analyzed the necessity of developing PFS from the perspectives of bank and customer. By