【文章內(nèi)容簡介】 能讓理財候選人員參加各類專題討論會和金融知識專家講座等，使其能全面了解銀行的業(yè)務發(fā)展情況、業(yè)務發(fā)展目標、面臨的經(jīng)營環(huán)境和最前沿的金融業(yè)務信息。再次，通過證券、保險等行業(yè)系統(tǒng)的橫向交流，使理財候選人員全面掌握各類投資市場知識，并通過實際的操練，提高其應掌握的金融知識和積累的投資經(jīng)驗，進行專業(yè)理財?shù)哪芰?。第二，建立有效的客戶?jīng)理制度?？蛻羰巧虡I(yè)銀行生存和發(fā)展的根基，商業(yè)銀行通過實施以客戶開發(fā)為主的客戶經(jīng)理制，可以獲得穩(wěn)定的客戶群，為實現(xiàn)效益最大化目標奠定堅實基礎。各級經(jīng)營行要在個人業(yè)務部門的直接管理下，設置個人理財中心，根據(jù)具體條件配備數(shù)名個人客戶經(jīng)理。根據(jù)客戶經(jīng)理管理能力和業(yè)務能力的不同，分別設置普通客戶經(jīng)理和客戶經(jīng)理主管的崗位，普通客戶經(jīng)理直接負責為客戶提供理財服務，而客戶經(jīng)理主管除了負擔一部分客戶服務的工作外，還要負責組織和管理本理財中心的全面工作，包括給普通客戶經(jīng)理提供業(yè)務授權、組織業(yè)務學習、考核普通客戶經(jīng)理的工作業(yè)績等。第三，建立適應崗位特點的薪酬激勵機制。在內(nèi)部激勵制度上，主要是建立和完善客戶經(jīng)理考核辦法，可從三個方面進行考核，即：關鍵指標考核體系、客戶滿意度和客戶信息收集與反饋。由于客戶經(jīng)理所從事的是具有一定風險、富有挑戰(zhàn)性的工作，因此應當充分體現(xiàn)責任與所得對等的原則，建立相應的激勵與約束機制。目前通行的以產(chǎn)品銷量為考核指標的薪酬激勵機制并不適合個人理財經(jīng)理崗位，個人高端客戶的穩(wěn)定性與資產(chǎn)的成長量才是體現(xiàn)理財經(jīng)理崗位業(yè)績的度量儀。對理財經(jīng)理，可以其所管理優(yōu)質(zhì)客戶的數(shù)量和客戶總資產(chǎn)量核定其業(yè)務量工資，以其所管理的客戶資產(chǎn)總額的增減數(shù)量以及客戶平均資產(chǎn)增減量考核其效益工資，從而調(diào)動理財經(jīng)理的工作積極性和主動性。（五）加大理財市場的培育理財教育的落后是我國居民理財意識淡薄，理財觀念落后的主要原因。我國居民的收入正在高速穩(wěn)定地增長，政府的職能也在發(fā)生很大的轉(zhuǎn)變。教育、養(yǎng)老、醫(yī)療等關乎個人生活質(zhì)量的事情都將主要由個人來承擔，對個人一生的收入和資產(chǎn)進行理財，應該成為個人生活不可或缺的重要組成部分。在國外小孩在上小學時就受到理財課程的教育，從小就形成了理財?shù)囊庾R。因此，政府、家庭、學校、媒體、金融機構(gòu)需要共同努力，全力倡導全民樹立理財意識，培養(yǎng)個人理財?shù)闹鲃有?，培養(yǎng)科學的投資理財觀念，從微觀角度為提高人民的生活質(zhì)量奠定物質(zhì)的基礎。結(jié) 論國有商業(yè)銀行的發(fā)展壯大無論是對促進經(jīng)濟建設，還是對于保持我國金融業(yè)的穩(wěn)定與健康發(fā)展都具有非常重要的意義。面對加入WTO后日益激烈的市場競爭，以及市場分割，限制市場準入等保護措施的逐步消失，國有商業(yè)銀行要想立于不敗之地，應基于以上對個人理財業(yè)務的分析構(gòu)建未來的競爭優(yōu)勢，盡快形成“品牌”效應及屬于自身的強大的競爭力。但我們要充分認識到這一任務的艱巨性、復雜性和長期性，真抓實干，苦練內(nèi)功，實現(xiàn)我國國有商業(yè)銀行改革的歷史性跨越。致謝本篇論文在寫作過程中，得到了XX大學X老師的精心幫助和指導，我在這里向全體老師及X導師致以誠摯的謝意?！瓍⒖嘉墨I[1]王海軍,姜磊. 后金融危機時代中國銀行業(yè)金融創(chuàng)新與發(fā)展[J]. 區(qū)域金融研究,2011,(1). 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Smith (2004). “Crises in Competitive versus Monopolistic Banking Systems.” Journal of Money, Credit, and Banking, Vol. 36, No. 3, 487506.…………附錄一Prospect of China39。s personal financial business developmentAt the end of 2006, China39。s banking sector after the full liberalization of foreign banks, get a licence rapidly in the domestic several major city the layout, with the establishment of business outlets, personal financial business petition rapid warming. As of recently, Citibank in seaside new developed area officially launched a new personal retail outlets, which Citigroup in domestic opened fifteenth retail outlets. According to Citigroup introduce the persons concerned, the Tianjin Coastal Branch of the existing 9be trained with regularity, rich experience in financial management and financial manager, to provide worldclass quality allround financial services. Later in the week, China Merchants Bank Tianjin Branch Road branch of the golden sunflower center opened, the dot is Tianjin area first golden sunflower center.Personal financial business has bee the focus of the petition between Chinese and foreign banks. For China39。s banking industry, the personal financial management is a very attractive market and tremendous business opportunities, but also a will face the fierce market petition and the challenge of the market.One, the driving force for the development of personal financial businessPersonal financial services institutions to use its products, information, investment and other aspects of the advantages, to serve customers, to provide investment, financing, consulting, financial advisory and other allround prehensive financial services, to enable individuals to better identify their stage of life and investment objectives, implementation personal assets to maximize returns, improve the level of consumption and quality of life. In general, personal finance by cash management, asset management, insurance, loans, real estate investment, retirement planning, tax planning and other parts.Foreign banks has focused on the personal financial management business to fierce petition, because of the personal financial management business is a very attractive market and tremendous business opportunities. The development of personal financial business, face the good external environment and the restructuring of financial institutions need to develop a variety of driving force.Wealth increased rapidly as the financial services of enormous space for development. With the sustained and stable growth, and the reform of ine allocation system, dweller ine rises ceaselessly, personal wealth accumulation. The most prominent manifestation is, savings deposits of residents from the reform and opening up $about 20000000000 to start climbing, to12 at the end of 2006already exceeded16 yuan, an average annual growth of more than 20%. Such a huge savings market for personal financial business development to provide vast space. According to the central bank issued in 2006 fourth quarters of urban depositors nationwide survey, households with financial assets structure changes, the fund became household savings and foreign except has the largest financial assets. In how to spend, choose to buy stocks and funds accounted for % of the number of, jumped to the