【正文】 哈 爾 濱 理 工 大 學(xué) 畢 業(yè) 設(shè) 計 題 目： 商業(yè)銀行個人理財業(yè)務(wù)規(guī)劃和發(fā)展 院系專業(yè) ： 經(jīng)濟管理系、會計電算化 商業(yè)銀行個人理財業(yè)務(wù)規(guī)劃和發(fā)展 摘 要 本文針對我國商業(yè)銀行個人理財現(xiàn)狀，對比國外的發(fā)展概況，闡述我國在個人理財業(yè)務(wù)方面存在的問題，找出其制約因素，最后提出問題的解決對策。文章首先提出研究背景和意義，再介紹寫作框架；然后介紹了國外商業(yè)銀行開展個人理財業(yè)務(wù)的具體情況，結(jié)合我國的現(xiàn)狀進行對比，分析我國 商業(yè)銀行存在問題。本文經(jīng)過分析發(fā)現(xiàn)，我國商業(yè)銀行在外部環(huán)境和自身經(jīng)營管理如營銷技術(shù)、產(chǎn)品創(chuàng)新以及人員素質(zhì)等方面存在劣勢，制約了我國商業(yè)銀行個人理財業(yè)務(wù)的開展。針對以上情況，作者提出了相應(yīng)的對策建議。本文主要從商業(yè)銀行自身如何發(fā)展的角度，認(rèn)為我國商業(yè)銀行要借鑒在營銷、制度、硬件等方面的經(jīng)驗進行改進，以便個人理財業(yè)務(wù)的順利開展。 關(guān)鍵詞 商業(yè)銀行；個人理財業(yè)務(wù)；策略；中間業(yè)務(wù)；產(chǎn)品創(chuàng)新 ABSTRACT This thesis starts with the Personal financial services situation of Chinese bank ,contrasts the development of overseas banks , stated that our country question which exists in personal financial services ,discovers the restriction factor, proposes the question solution countermeasure. The thesis first proposed that the research background and the significance, the introduced the writing frame again。 Then introduced the special details and development of the overseas Commercial bank Personal financial services, unifies our country39。s present situation to carry on the contrast, analyzes the problem of our country Commercial bank to have. Our country Commercial bank in the external environment and own management and operation like marketing technology, product innovation , personnel quality have the inferiority, these have restricted development to our country Commercial bank Personal financial services .In view of the above situation, the author put forward the corresponding countermeasure proposal. This paper mainly the angle which from how to develop Commercial bank , thought that our country Commercial bank make the improvement should refer these aspects like marketing, system, hardware experiences and so on. Keywords： Commercial Bank； Personal Financial Services； Suggestion； Intermediary Business； Product Innovation 目 錄 摘要 ................................................................. 2 Abstract............................................................. 3 第 1 章 緒論 ..........................................錯誤 !未定義書簽。 研究的背景 ........................................................錯誤 !未定義書簽。 研究的目的和意義 .................................................................................................... 1 研究的目的 ...................................................................................................... 1 研究的意義 ...................................................................................................... 1 國內(nèi)外研究現(xiàn)狀 ........................................................................................................ 2 國外研究現(xiàn)狀 ................................................................................................... 2 國內(nèi)研究現(xiàn)狀 ................................................................................................... 2 論文的基本框架 ....................................................................................................... 3 主要研究方法 ........................................................................................................... 3 第 2章 個人理財?shù)暮x及其產(chǎn)品的類型 ................................................................ 5 個人理財業(yè)務(wù)的含義和特點 ................................................................................... 5 個人理財業(yè)務(wù)的含義 ...................................................................................... 5 個人理財業(yè)務(wù)的特點 ...................................................................................... 6 個人理財業(yè)務(wù)的產(chǎn)品類型 ....................................................................................... 6 結(jié)算業(yè)務(wù) .......................................................................................................... 6 咨詢業(yè)務(wù) .......................................................................................................... 6 代客理財 .......................................................................................................... 6 保管箱業(yè)務(wù) ...................................................................................................... 7 個人貸款業(yè)務(wù) .................................................................................................. 7 本章小結(jié) ................................................................................................................... 7 第 3章 國內(nèi)外商業(yè)銀行個人理財業(yè)務(wù)發(fā)展?fàn)顩r及比較分析 .......................... 8 . 國外個人理財業(yè)務(wù)發(fā)展?fàn)顩r及特征 ..................................................................... 8 國外個人理財業(yè)務(wù)發(fā)展?fàn)顩r .......................................................................... 8 國外個人理財業(yè)務(wù)發(fā)展特征 .......................................................................... 9 國內(nèi)個人理財業(yè)務(wù)發(fā)展?fàn)顩r ................................................................................. 10 國內(nèi)外商業(yè)銀行個人理財業(yè)務(wù)的比較分析 ......................................................... 11 個人理財業(yè)務(wù)所處的發(fā)展階段不同 ............................................................ 11 理財產(chǎn)品完備性方面差距較大 .................................................................... 11 本章小結(jié) ................................................................................................................. 14 第 4 章 我國商業(yè)銀行個人理財業(yè)務(wù)存在的問題及其根源 ............................. 15 我國商業(yè)銀行個人理財業(yè)務(wù)存在的問題 ............................................................. 15 尚未真正建立 “以客戶為中心 ”的經(jīng)營模式 ................................................. 15 組織機構(gòu)設(shè)置存在問題 ................................................................................ 15 產(chǎn)品同質(zhì)性強 ................................................................................................ 15 市場推廣與開拓不足 .................................................................................... 16 營銷渠道單一 ................................................................................................ 17 科技手段落后 .........