淺析我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的問題與對(duì)策論文(已修改)
2025-08-08 11:12 本頁面
【正文】 目 錄中文摘要 ............................................................1英文摘要 ............................................................3一、前言 ............................................................5（一）背景意義 ....................................................5（二）文獻(xiàn)綜述 ....................................................5二、我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展及現(xiàn)狀 ............................6（一）商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的概述 ..................................7（二）個(gè)人理財(cái)業(yè)務(wù)的種類 ..........................................7（三）國(guó)內(nèi)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)現(xiàn)狀 ................................7三、我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)存在的問題 ..............................9（一）分業(yè)經(jīng)營(yíng)制約個(gè)人理財(cái)發(fā)展 ....................................9（二）產(chǎn)品研發(fā)能力不高，產(chǎn)品同質(zhì)化現(xiàn)象嚴(yán)重 .......................10（三）綜合素質(zhì)高的理財(cái)人員缺乏，理財(cái)業(yè)務(wù)層次不高 .................10（四）營(yíng)銷觀念滯后，渠道單一 .....................................11（五）理財(cái)業(yè)務(wù)中存在一定的法律障礙，風(fēng)險(xiǎn)控制不到位 ...............11四、商業(yè)銀行開展個(gè)人理財(cái)業(yè)務(wù)的對(duì)策建議 .............................12（一）由分業(yè)經(jīng)營(yíng)向混業(yè)經(jīng)營(yíng)轉(zhuǎn)變 ...................................12（二）加強(qiáng)理財(cái)產(chǎn)品的創(chuàng)新 .........................................13（三）進(jìn)行理財(cái)經(jīng)理培訓(xùn)，培養(yǎng)高素質(zhì)綜合性人才，進(jìn)行理財(cái)團(tuán)隊(duì)的建設(shè) .14（四）改變營(yíng)銷模式，強(qiáng)化理財(cái)意識(shí) .................................14（五）建立完善的風(fēng)險(xiǎn)監(jiān)控機(jī)制，嚴(yán)格控制風(fēng)險(xiǎn) .......................15五、結(jié)語 ...........................................................16【參考文獻(xiàn)】 .......................................................17淺析我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的問題與對(duì)策【摘 要】：個(gè)人理財(cái)業(yè)務(wù)是商業(yè)銀行的新興業(yè)務(wù)，在經(jīng)濟(jì)快速發(fā)展的今天，居民收入大幅增加，個(gè)人理財(cái)業(yè)務(wù)具有廣闊的發(fā)展前景，將成為銀行主要產(chǎn)品之一。我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)在銀行經(jīng)營(yíng)結(jié)構(gòu)轉(zhuǎn)變、國(guó)內(nèi)民眾財(cái)富增長(zhǎng)、金融機(jī)構(gòu)個(gè)人業(yè)務(wù)服務(wù)發(fā)展擴(kuò)大的背景下迅猛發(fā)展。目前，我國(guó)商業(yè)銀行業(yè)務(wù)還處在起步階段，仍舊存在著許多問題。主要表現(xiàn)在分業(yè)經(jīng)營(yíng)制約個(gè)人理財(cái)發(fā)展、產(chǎn)品同質(zhì)化現(xiàn)象嚴(yán)重、綜合素質(zhì)高的理財(cái)人員缺乏、營(yíng)銷觀念滯后渠道單一、理財(cái)業(yè)務(wù)中存在一定的法律障礙且風(fēng)險(xiǎn)控制不到位等問題上。這些問題需要采取相應(yīng)措施加以改進(jìn)，如有分業(yè)經(jīng)營(yíng)向混業(yè)經(jīng)營(yíng)轉(zhuǎn)變、加強(qiáng)理財(cái)產(chǎn)品創(chuàng)新、培養(yǎng)高素質(zhì)綜合性人才、改變營(yíng)銷模式及建立完善的風(fēng)險(xiǎn)監(jiān)控模式的措施，文章對(duì)此進(jìn)行思考與分析?！娟P(guān)鍵詞】：商業(yè)銀行。個(gè)人理財(cái)。問題與對(duì)策Analysis of the Problems and Solutions of Personal Financing Business in China39。s Commercial Banks【Abstract】Personal financing business of mercial banks in China is a new business. With the rapid development of economy, people39。s ine has increased rapidly and the prospect for the development of personal financing business is very broad, it will be one of product of bank. Personal financing business of mercial banks in China has developed rapidly, against the backdrop of the trans
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