《我国商业银行个人理财现状及发展策略》》-毕业论文.doc

精品 本科毕业论文 题目： 我国商业银行个人理财现状及发展策略 学 院: 管理学院 专 业: 财务管理 学 号: 学生姓名: 指导教师: 日 期: 二〇一一年六月 摘 要 作为一项新兴的低风险、低成本、高收益的中间业务，个人理财业务不仅可以增加银行的中间业务收入，带动银行零售业务的整体发展，而且还可以为银行带来大量的本外币存款的资金沉淀。但目前我国商业银行开展“个人理财业务”还处于初级阶段，存在较多问题。如何在国内外商业银行激烈竞争的市场中寻找自己的立足之本，是当下急需要国内商业银行思考的问题。 本文对理财业务方面现有的诸多理论成果进行对比分析，在进一步数据论证的基础上发现现在国内理财市场存在的问题，并根据我国的实际情况及客户群体的特点，对商业银行理财业务未来的发展策略和发展进行了研究。然后重点对光大银行阳光理财系列理财产品进行案例分析，发现了其中存在的一些局限性，针对其中较为共性的问题，提出了自己的创新思路和服务策略。 本文认为，商业银行作为金融业的核心部门，其改革和发展需要从长远目标考虑，着力点在于针对目标客户群体的需求特点，大力开发跨世纪的个人理财新型服务品种，强化个人理财服务。为此，对商业银行个人理财业务发展的策略研究及产品创新设计尤显重要。 关键字： 个人理财； 发展现状； 发展策略 Abstract As a new low risk, low cost, and high yield, in the middle of the business, the personal financial management business not only can increase the income of the middle of the business ,drive the whole development of retail banking business, and can also can be for Banks with lots of foreign currency deposit money precipitation. But now, Chinese commercial Banks individual financing business is still in its infancy and exists many problems. How to survive in the domestic and foreign commercial Banks in the fierce competition in the market for their own the base, is instantly need domestic commercial Banks need to think thought. In this paper the existing financial affairs in many theoretical results were compared and demonstrated in further data based on the domestic market find now, and the problems according to the actual conditions of our country and customer group characteristics, focusing on commercial Banks financing business future development strategies and the focus of development is studied. Then the key to Everbright bank financing products sunshine finance series case analysis, found some of the limitations of existing among them, according to the relatively common problems, the author puts forward his own innovative ideas and services strategy. The author holds the view of that, commercial Banks as the core financial departments and the reform and development ne