中国个人理财业务发展的问题和对策.doc

中国个人理财业务发展的问题和对策 【乎商要】随着金融业的发展，屮国金融机构在个人理财业务发展上也是突飞猛进。传 统的个人存取款业务，已不再是金融机构主打业务，各种个人理财业务随着信息吋代的到来 相拥而至，作为国内金融机构的新兴行业，个人理财业务获得了快速发展，从发达国家的银 行个人理财业务发展趋势看，个人理财业务具有批量大，风险低，业务范围广，经营收益稳 定等趋势，在商业银行业务发展中占有非常重要位置。针对不同收入的客户提供不同的服务， 推动了个人理财业务的不断提升。对比国外商业银行个人理财业务发展，分析我国国内外商 业银行个人理财业务发展现阶段的优势和不足。来选择合理有效的方法，为国内商业银行个 人理财业务发展提出个人见解。 【关键词】新兴行业理财业务优势和不足 Individual financing business development problems and countermeasures in China [Abstract] With the development of financial industry, Chinese financial institutions on the individual financing business development by leaps and bounds. Traditional personal deposit or the withdrawal of financial institutions is no longer the main business，all kinds of personal finance business with the advent of the era of information in each other’s arms，as emerging industry of domestic financial institutions，obtained the rapid development of personal financial business，from the developed world bank individual financing business development trend to see, personal finance business has a batch big, risk is low, business scope wide, management income stability trend，occupies very important position in the development of commercial Banks. Provide different services for different income，promote the continuous increase of personal finance business. Foreign commercial bank individual financing business development， the analysis in the present stage of our country commercial bank individual financing business development at home and abroad the advantages and disadvantages. To choose reasonable and effective method for domestic commercial bank individual financing business development put forward personal opinions. [Key word] Emerging industry Wealth management business Advantages and disadvantages 目录 错误!未定义书签 一、我国个人理财业务发展现状 ）我国个人理财业务发展历程 （二）我国个人理财业务发展前景… （三）我国个人理财业务的种类 、对国内外个人理财业务对比分析 TOC \o 1-5 \h \z （一）分析国内外个人理财业务的发展状况 6 ）我国商业银行个人理财业务发展的优势和劣势 HYPERLINK \l bookmark8 \o Current Document \h 三、 我国金融机构发展个人理财业务的必要性 8 HYPERLINK \l bookmark11 \o Current Document