我國商業(yè)銀行個(gè)人金融業(yè)務(wù)的現(xiàn)狀及發(fā)展策略畢業(yè)論文(已修改)
2025-07-06 23:04 本頁面
【正文】 上海理工大學(xué)畢業(yè)論文（設(shè)計(jì)）我國商業(yè)銀行個(gè)人金融業(yè)務(wù)的現(xiàn)狀及發(fā)展策略摘 要為了順因國際金融業(yè)的發(fā)展潮流，我國的商業(yè)銀行正在加快個(gè)人金融業(yè)務(wù)的發(fā)展以應(yīng)對來自外資銀行的挑戰(zhàn)。如今世界上許多的發(fā)達(dá)國家進(jìn)過了長時(shí)間的發(fā)展，對客戶服務(wù)理論，服務(wù)方式以及客戶的管理方面有了深入的研究與探索，因此發(fā)達(dá)國家的個(gè)人金融業(yè)務(wù)發(fā)展蓬勃，盡管國外銀行大多實(shí)行混業(yè)經(jīng)營在監(jiān)管方面還存在不少的漏洞，但是我國目前在個(gè)人金融業(yè)務(wù)方面還處于起跑階段，雖然經(jīng)過近十年的發(fā)展，但是不論從產(chǎn)品的質(zhì)量與內(nèi)容還是客戶的服務(wù)與國外的商業(yè)銀行仍然相比還有相當(dāng)大的差距。通過對比，中國商業(yè)銀行個(gè)人金融業(yè)務(wù)存在產(chǎn)品創(chuàng)新的市場定位不夠明確，人力資源和技術(shù)儲(chǔ)備滯后，缺乏信用分析和風(fēng)險(xiǎn)控制等問題。通過分析發(fā)達(dá)國家的發(fā)展經(jīng)驗(yàn)，從中得出為我國將來的發(fā)展的其實(shí)與建議。因此為了應(yīng)對國內(nèi)外雙重競爭壓力與客戶不斷增長的需求，我國商業(yè)銀行的個(gè)人金融業(yè)務(wù)迫切需要加快產(chǎn)品的創(chuàng)新力度，本著以“客戶為重心”的原則，針對不同全體不同類型的人群設(shè)計(jì)不同的產(chǎn)品，加強(qiáng)銀行員工的職業(yè)素質(zhì)，提高服務(wù)水平，而且要加快銀行電子網(wǎng)絡(luò)的建設(shè)，提供安全高速的網(wǎng)絡(luò)銀行服務(wù)。在完善服務(wù)和產(chǎn)品的同時(shí)，還需要改進(jìn)現(xiàn)有的個(gè)人金融業(yè)務(wù)體系，做好整合銀行內(nèi)部資源，優(yōu)化管理結(jié)構(gòu)的工作，加強(qiáng)監(jiān)管提高銀行的競爭能力。關(guān)鍵詞：個(gè)人金融業(yè)務(wù) 發(fā)展?fàn)顩r 產(chǎn)品創(chuàng)新 對策Chinese mercial banks39。 personal financial situation and development strategyAbstractIn order to smooth the development of the international financial industry trend, China39。s mercial banks are accelerating the development of personal financial services to meet the challenges from foreign banks. Nowadays, many of the world39。s developed countries, been to a long development, customer services theory, service and customer management approach with indepth study and exploration, it developed a thriving personal financial services, although most of the implementation of foreign banks still have many regulatory loopholes, but after nearly a decade of development ,Chinese mercial banks’ personal financial services is still in the starting stage, but regardless of the quality and content from the product or customer service and business abroad banks still have a considerable gap pared. By contrast, China39。s mercial bank personal finance business are product innovation, market orientation is not clear enough, human resources and technical reserves lag, lack of credit analysis and risk control issues. By analyzing the development experience of developed countries, drawn from the future development of our country in fact and remendations. Therefore, the dual pressure of petition at home and abroad in response to growing customer demand, China39。s mercial banks urgently need to speed up the personal financial services product innovation, in line with customer focus principle, for different types of people of all different design products, to enhance the professional quality of banking staff, improve service levels, and electronic networks to speed up the construction of banks to provide secure highspeed Internet banking services. Improve the services and products in the same time, individuals need to improve existing financial business system and do the integration of bank39。s internal resources, optimizing the management structure of the work, strengthen the supervision to improve the petitiveness of banks.KEYWORDS:personal financial services,development,product innovation ,countermeasures目 錄引言 4第一章 緒論 5 5 5第二章 國內(nèi)外個(gè)人金融業(yè)務(wù)發(fā)展進(jìn)程 6 6 6 6 7 7 7第三章 發(fā)達(dá)國家商業(yè)銀行個(gè)人金融業(yè)務(wù)的分析 9 9 個(gè)人金融業(yè)務(wù)全球化 9 個(gè)人金融業(yè)務(wù)全能化 10 個(gè)人金融業(yè)務(wù)網(wǎng)絡(luò)化 10 以花旗銀行為例分析發(fā)達(dá)國家商行個(gè)人金融業(yè)務(wù)的特點(diǎn) 11 11 11 12 12 12第四章 我國商業(yè)銀行的優(yōu)劣勢分析以及對比發(fā)達(dá)國家得到的啟示 14 我國商業(yè)銀行的優(yōu)勢 14 14 我國商業(yè)銀行的劣勢 14 14，創(chuàng)新能力不足 15 15 從對比發(fā)達(dá)國家銀行中得出的發(fā)展我國銀
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