【正文】 上海理工大學(xué)本科生畢業(yè)設(shè)計(jì)（論文）本科畢業(yè)論文中外商業(yè)銀行理財(cái)業(yè)務(wù)比較分析3XX理工大學(xué)全日制本科生畢業(yè)設(shè)計(jì)（論文）承諾書本人鄭重承諾：所呈交的畢業(yè)設(shè)計(jì)（論文） 是在導(dǎo)師的指導(dǎo)下，嚴(yán)格按照學(xué)校和學(xué)院的有關(guān)規(guī)定由本人獨(dú)立完成。文中所引用的觀點(diǎn)和參考資料均已標(biāo)注并加以注釋。論文研究過程中不存在抄襲他人研究成果和偽造相關(guān)數(shù)據(jù)等行為。如若出現(xiàn)任何侵犯他人知識(shí)產(chǎn)權(quán)等問題，本人愿意承擔(dān)相關(guān)法律責(zé)任。 承諾人（簽名）： 日 期：中外商業(yè)銀行理財(cái)業(yè)務(wù)比較分析摘 要銀行理財(cái)業(yè)務(wù)是指理財(cái)師通過收集整理客戶的收入、資產(chǎn)、負(fù)債等數(shù)據(jù)，傾聽客戶的希望、要求、目標(biāo)等，為客戶制定投資組合、儲(chǔ)蓄計(jì)劃、保險(xiǎn)投資對(duì)策、繼承及經(jīng)營(yíng)策略等財(cái)務(wù)設(shè)計(jì)方案，并幫助客戶的資金最大限度地增值。隨著中國(guó)經(jīng)濟(jì)的發(fā)展和綜合國(guó)力不斷增加，在監(jiān)管部門引導(dǎo)和大力幫助下，中國(guó)理財(cái)市場(chǎng)發(fā)生很大的變化，銀行理財(cái)業(yè)務(wù)也受到新聞媒體和投資者廣泛關(guān)注，銀行理財(cái)產(chǎn)品層出不窮，理財(cái)市場(chǎng)空前的繁榮。為引導(dǎo)投資者樹立健康、正確的投資理念，進(jìn)一步推動(dòng)銀行理財(cái)市場(chǎng)的長(zhǎng)遠(yuǎn)發(fā)展，需要對(duì)商業(yè)銀行理財(cái)業(yè)務(wù)進(jìn)行深入的研究。居民可支配收入大幅度增加，個(gè)人理財(cái)意識(shí)也在覺醒和增強(qiáng)，這為發(fā)展銀行個(gè)人理財(cái)業(yè)務(wù)提供了基礎(chǔ)；經(jīng)濟(jì)的發(fā)展和金融業(yè)的對(duì)外開放使得企業(yè)對(duì)金融服務(wù)的需求也發(fā)生了明顯的變化，客戶需要的是非標(biāo)準(zhǔn)化的綜合性需求和一攬子金融服務(wù)。要滿足對(duì)公客戶的金融需求，商業(yè)銀行必須加快對(duì)公理財(cái)業(yè)務(wù)的發(fā)展。銀行理財(cái)業(yè)務(wù)是現(xiàn)在發(fā)達(dá)國(guó)家商業(yè)銀行利潤(rùn)的一個(gè)重要來源，在商業(yè)銀行的發(fā)展中起著戰(zhàn)略性作用。然而我國(guó)商業(yè)銀行理財(cái)業(yè)務(wù)的發(fā)展還未成熟，外資銀行在理財(cái)業(yè)務(wù)方面具有悠久而豐富的經(jīng)驗(yàn)，與其相比我國(guó)確實(shí)在一些方面客觀存在一些比較大的差距。因此，如何運(yùn)用商業(yè)銀行理財(cái)業(yè)務(wù)的相關(guān)理論同時(shí)結(jié)合我國(guó)的國(guó)情，找到適合我國(guó)商業(yè)銀行理財(cái)業(yè)務(wù)創(chuàng)新和發(fā)展的途徑，是一個(gè)非常重要的課題。本文立足于國(guó)內(nèi)外商業(yè)銀行理財(cái)業(yè)務(wù)的現(xiàn)狀，結(jié)合國(guó)內(nèi)外的理論與實(shí)踐經(jīng)驗(yàn)，探討國(guó)內(nèi)商業(yè)銀行理財(cái)業(yè)務(wù)的發(fā)展情況，分析目前國(guó)內(nèi)理財(cái)業(yè)務(wù)存在的問題，通過比較國(guó)內(nèi)外商業(yè)銀行理財(cái)業(yè)務(wù)發(fā)展的思路，方法和手段的不同，找到國(guó)內(nèi)商業(yè)銀行在理財(cái)業(yè)務(wù)發(fā)展上的差距，并提出一些建議。本文由五個(gè)部分組成：第一部分，介紹銀行理財(cái)業(yè)務(wù)的發(fā)展背景。第二部分，通過回顧國(guó)內(nèi)商業(yè)銀行理財(cái)業(yè)務(wù)的發(fā)展歷程，剖析國(guó)內(nèi)商業(yè)銀行理財(cái)業(yè)務(wù)的發(fā)展現(xiàn)狀和存在問題，為國(guó)內(nèi)外商業(yè)銀行理財(cái)業(yè)務(wù)的對(duì)比分析進(jìn)行鋪墊。第三部分，通過介紹國(guó)外商業(yè)銀行理財(cái)業(yè)務(wù)產(chǎn)生背景、發(fā)展歷程，以及當(dāng)前有代表性的國(guó)外理財(cái)業(yè)務(wù)市場(chǎng)下理財(cái)業(yè)務(wù)的運(yùn)作模式和發(fā)展格局，使我們對(duì)成熟的銀行理財(cái)業(yè)務(wù)有更深刻的認(rèn)識(shí)，也對(duì)認(rèn)清我國(guó)商業(yè)銀行理財(cái)業(yè)務(wù)的現(xiàn)狀和存在問題提供了參考標(biāo)準(zhǔn)。第四部分，通過國(guó)內(nèi)外商業(yè)銀行理財(cái)業(yè)務(wù)的對(duì)比分析，形成對(duì)我國(guó)商業(yè)銀行理財(cái)業(yè)務(wù)發(fā)展過程中所存在問題的認(rèn)識(shí)，得到啟示。第五部分，在對(duì)國(guó)內(nèi)外商業(yè)銀行理財(cái)業(yè)務(wù)發(fā)展問題的研究基礎(chǔ)上，得出結(jié)論并提出一些推動(dòng)我國(guó)商業(yè)銀行理財(cái)業(yè)務(wù)建設(shè)的建議。第六部分，提出未來商業(yè)銀行理財(cái)業(yè)務(wù)發(fā)展的展望。關(guān)鍵詞：商業(yè)銀行 個(gè)人理財(cái) 中外比較COMPARATIVE ANALYSIS OF CHINESE AND FOREIGN COMMERCIAL BANKS FINANCIAL SERVICESABSTRACTBanking financial services is defined as financial planner collected the customer39。s ine, assets, liabilities and other data, listened the hope and demands of customers, to develop a portfolio, savings plans, insurance and investment measures, inheritance and other financial strategies for customers, help them maximize the value.With China39。s economic development and overall national strength increased, in the regulatory guidance and strong help, chinese financial market has undergone great changes, bank financial business has also been widespread concern in the news media and investors, many financial products launched, financial markets unprecedented prosperity. To guide investors to establish a healthy and correct investment philosophy, further promote the longterm development of bank financial markets, we need conduct depth study of wealth management business of mercial banks. A substantial increase in household disposable ine, personal finance is also awakening of consciousness and enhancements, it is provide a basis for the development of banks。 Economic development and the opening up of the financial sector so that the demand for financial services panies has also undergone a significant change, what the customers need is nonstandardized prehensive needs and package of financial services, To meet the financial needs of corporate customers, mercial banks must accelerate the development of corporate wealth management services.Nowadays, banking Financial Services is an important source of profit of the mercial banks in developed countries, plays a strategic role in the development of mercial banks. However, China39。s mercial banks finance business development is not yet ripe, foreign banks in the wealth management business has a long and rich experience, pared with foreign mercial banks, there are some relatively large gap in some respects. Therefore, it is a very important topic that how to use related theory of mercial bank financing business and bined with China39。s national conditions to find a innovation and development approaches.This article is based on the status of banking financial services of domestic and foreign mercial banks, bining theory and practical experience at home and abroad to explore the development of domestic mercial banking financial business development, analysis the current domestic problems of banking financial services, our aim is to find the gaps in the banking financial planning business development of domestic mercial banks and propose some ideas by paring the different in idea, methods and means of domestic and foreign mercial banks in financial services, This paper consists of five parts: The first part, describes the background of banking financial services. The second part, review the development process of banking financial services of the domestic mercial banks, analysis the status and problems of domestic mercial banks financial business and pave the way for the following analyze differences in banking financial services. The third part, introduce the background and development process of foreign mercial bank financial services, and the current representative of the foreign financial services market under the financial operation of the business model and development pattern, it is not only allows us have a more profound understanding of the mature banking financial services, but also provides a reference standard to understand the business of mercial banking financial situation and problems. The fourth part, by parative analysis of business development in the field of banking financial business of domestic and foreign mercial banks, get the awareness of the problem in domestic mercial banks financial business development process and obtain inspiration. The fifth part, based on the study of development issues of the domestic mercial banks in the banking financial services, offer some banking finance businessbuilding advice to promote the development of domestic mercial banks. The six part, proposed banking financial outlook in future mercial banking business.KEYWORDS: Commercial Bank Financial services Foreign Comparative目 錄摘要ABSTRACT第1 章 緒 論 1 選題背景與研究意義 1 國(guó)內(nèi)外文獻(xiàn)綜述 2 國(guó)外研究文獻(xiàn)綜述 2 國(guó)內(nèi)研究文獻(xiàn)綜述 2 研究思路與方法 5第2章 國(guó)內(nèi)商業(yè)銀行理財(cái)業(yè)務(wù)的現(xiàn)狀及問題 6 國(guó)內(nèi)銀行理財(cái)業(yè)務(wù)的現(xiàn)狀及趨勢(shì) 6 個(gè)人理財(cái)?shù)氖袌?chǎng)需求和產(chǎn)品特點(diǎn) 7 對(duì)公理財(cái)業(yè)務(wù)的市場(chǎng)分析 8 商業(yè)銀行理財(cái)業(yè)務(wù)綜合排名 9 銀行理財(cái)產(chǎn)品的發(fā)展趨勢(shì) 10 國(guó)內(nèi)銀行理財(cái)業(yè)務(wù)的趨勢(shì) 12 國(guó)內(nèi)銀行理財(cái)業(yè)務(wù)存在的問題 13 理財(cái)市場(chǎng)不規(guī)范 13 理財(cái)業(yè)務(wù)缺乏自主創(chuàng)新能力，經(jīng)營(yíng)理念尚未完全轉(zhuǎn)變 13 缺