推荐中国农业银行哈尔滨分行个人理财业务发展研究.doc

摘要 随着我国国民经济的增长和居民可支配收入的增加，居民的理财意识也在不断加强，个人理财业务呈现出较好的发展前景。面对国内外理财市场的激烈竞争，农行哈尔滨分行在龙江地区理财业务的发展中还处于被动局面。作为国有四大银行的农行，如何在如此激烈的环境中脱颖而出，树立自己的品牌，是本文研究的主要目的与意义。 本文从个人理财业务的基本概念出发，介绍了国外银行个人理财业务的经验教训，其后阐述了农行哈尔滨分行个人理财业务的发展现状并用SWOT模型进行了系统的分析，最后提出农行哈尔滨分行未来的战略目标及发展策略。 本文研究的主要结论是在发展个人理财业务的过程中，农行哈尔滨分行应该明确自己的战略目标和发展策略，以期在个人理财市场得到更好的发展。 关键词： 农行哈尔滨分行 个人理财业务 策略分析 Research on the Development of Personal Financial Services of the ABC in Harbin Abstract With Chinese economic development and the increasing residents’ income, financial consciousness has become more and more intensified, and personal financial services of commercial banks has shown tremendous future. Facing the domestic and international financial market competition, Harbin branch of the ABC is in a passive situation in Heilongjiang area. As one of the four state owned banks, how to emerge at such a competitive environment and how to establish his financing brand. It is the main purpose and significance of the research. This article starts with the personal finance services of the basic concept, introduces foreign banks personal finance services experience. Then expounds the present situation of the Harbin branch and makes deep study on the generally used SWOT matrix analysis approach. At last, proposed the goal of strategy and developing tactics in the future. The conclusion of this article is that, Harbin branch of ABC should be definitude its own strategies and development strategies in the development of financial business, so that has better development. Key words: harbin branch of ABC personal financial service policy analysis 目录 摘要 I Abstract II 1 前言 1 1.1 本研究的目的与意义 1 1.2 国内外研究文献综述 1 1.3 本研究的主要内容 3 2 个人理财业务的概述 4 2.1 个人理财业务的概念 4 2.2 个人理财业务的种类 4 2.3 个人理财业务的特点 6 2.4 个人理财产品的分类 6 3 国外商业银行个人理财业务发展及启示 8 3.1 国外商业银行个人理财业务的介绍 8 3.2 国外商业银行个人理财业务的经验启示 10 4 中国农业银行哈尔滨分行个人理财业务现状及SWOT分析 11 4.1 中国农业银行哈尔滨分行个人理财业务的发展现状 11 4.2 中国农业银行哈尔滨分行个人理财业务的SWOT分析 12 5 中国农业银行哈尔滨分行个人理财业务策略分析 15 5.1 中国农业银行哈尔滨分行个人理财业务的战略目标和原则 1