我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)探討——基于浙江稠州商業(yè)銀行的調(diào)查畢業(yè)論文(已修改)
2025-09-08 13:48 本頁(yè)面
【正文】 本科 畢業(yè)論文（設(shè)計(jì)） 論 文 題 目： 我國(guó)商 業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)探討 —— 基 于浙江稠州商業(yè)銀行的調(diào)查 1 我國(guó) 商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)探討 —— 基于浙江稠州商業(yè)銀行的調(diào)查 摘要 ： 隨著 利率市場(chǎng)化進(jìn)程加快，社會(huì)融資需求持續(xù)增長(zhǎng) ， 互聯(lián)網(wǎng)理財(cái)?shù)漠愜娡黄穑?商業(yè)銀行 個(gè)人理財(cái) 業(yè)務(wù)將面臨機(jī)遇和挑戰(zhàn)。 單個(gè)商業(yè)銀行要想在中國(guó)理財(cái) 業(yè)務(wù) 市場(chǎng) 占一席之地 ，必須將個(gè)人理財(cái)業(yè)務(wù)提高到戰(zhàn)略層面進(jìn)行規(guī)劃，不斷完善其業(yè)務(wù)形態(tài)。 本文 以浙江稠州商業(yè)銀行為切入點(diǎn)，采用網(wǎng)絡(luò)調(diào)研 法對(duì) 我國(guó) 商 業(yè)銀行 個(gè)人理財(cái)業(yè)務(wù)進(jìn)行了調(diào)查， 運(yùn)用圖表分析法對(duì) 我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)現(xiàn)狀進(jìn)行概括分析，并采用實(shí)地調(diào)研法對(duì)浙江稠州商業(yè)銀行的個(gè)人理財(cái)業(yè)務(wù)進(jìn)行了解，運(yùn)用 SWOT 分析法對(duì)浙江稠州商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展進(jìn)行詳細(xì)的戰(zhàn)略分析，提出具體的 參考 建議。 本文的 目的是推進(jìn) 浙江稠州商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展 。 關(guān)鍵詞 ： 商業(yè)銀行 ； 個(gè)人理財(cái)業(yè)務(wù) ； SWOT 分析法 2 Discussion of Chinese Commercial Banks’ Personal Financing Business—— Based on the Investigation of Zhejiang Chouzhou’s Commercial Bank Abstract: With the accelerating process of interest rate liberalization, social finance demand continues to grow, and Inter banks spring up like mushrooms, causing mercial banks’ personal financing business to face the opportunities and challenges. In order to occupy a position in Chinese market, a single mercial Bank must improve personal financing business to strategic level and constantly improve its business forms. Taking Zhejiang Chouzhou’s mercial Bank as the breakthrough point, the author uses the work research method to investigate our country’s mercial banks’ individual financing business, uses chart analysis method to summarize the present situation and problems of our country’s mercial banks’ individual financing business, and prehend Zhejiang Chouzhou’s mercial Bank39。s personal financing business by the method of field investigation. At last the author uses the SWOT analysis method to do detailed strategic analysis on Zhejiang Chouzhou’s mercial bank’s individual financing business development, and puts forward concrete advice. This paper is aimed at promoting the development of Zhejiang Chouzhou’s mercial bank’s individual financing business. Key Words: Commercial Bank。 personal financing business。 The SWOT analysis method 3 目 錄 一、緒論 ............................................................... 1 （一）研究背景 ....................................................... 1 （二）研究意義 ....................................................... 1 （三）文獻(xiàn)綜述 ....................................................... 1 （ 四 ） 論文研究的主要內(nèi)容 ............................................. 2 二、 我國(guó) 商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)概述 ................................... 3 （一）個(gè)人理財(cái)業(yè)務(wù)的概念 ............................................. 3 （ 二 ） 我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展歷程 ............................. 3 （三）我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的現(xiàn)狀分析 ............................. 4 ........................ 4 ................................ 5 ........................................ 5 .................................. 6 三、浙江稠州商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)介紹 ............................... 6 （一）浙江稠州商業(yè)銀行介紹 ........................................... 6 （二）浙江稠州商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)簡(jiǎn)介 ............................... 7 （三） 浙江稠州商業(yè)銀行個(gè)人理財(cái)產(chǎn)品及其特點(diǎn)介紹 ....................... 7 1.“ 財(cái)豐理財(cái) ” 產(chǎn)品介紹 ............................................ 8 2． “ 如意寶 ” 產(chǎn)品介紹 ............................................ 8 3.“ 財(cái)睿理財(cái) ” 產(chǎn)品介紹 ............................................ 9 四、浙江稠州商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù) SWOT 分析 ......................... 9 (一 )個(gè)人理財(cái)業(yè)務(wù)優(yōu)勢(shì)分析 ............................................ 10 ......................................... 10 ......................................... 10 ......................................... 10 ，售后運(yùn)行情況披露。 ............................... 10 4 (二 )個(gè)人理財(cái)業(yè)務(wù)劣勢(shì)分析 ............................................ 11 ................................................... 11 (1)金融體制的制約 ............................................ 11 (2)居民理財(cái)意識(shí)不強(qiáng)，對(duì)理財(cái)業(yè)務(wù)的了解不足。 .................. 12 ................................................... 12 (1)銀行知名度不高，資產(chǎn)規(guī)模有限。 ............................ 12 (2)理財(cái)產(chǎn)品同質(zhì)化 ............................................ 12 (3)理財(cái)從業(yè)
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