【正文】 ry 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(cuò)誤 !未定義書(shū)簽。 研究的目的和意義 .................................................................................................... 1 研究的目的 ...................................................................................................... 1 研究的意義 ...................................................................................................... 1 國(guó)內(nèi)外研究現(xiàn)狀 ........................................................................................................ 2 國(guó)外研究現(xiàn)狀 ................................................................................................... 2 國(guó)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(gè)人理財(cái)?shù)暮x及其產(chǎn)品的類(lèi)型 ................................................................ 5 個(gè)人理財(cái)業(yè)務(wù)的含義和特點(diǎn) ................................................................................... 5 個(gè)人理財(cái)業(yè)務(wù)的含義 ...................................................................................... 5 個(gè)人理財(cái)業(yè)務(wù)的特點(diǎn) ...................................................................................... 6 個(gè)人理財(cái)業(yè)務(wù)的產(chǎn)品類(lèi)型 ....................................................................................... 6 結(jié)算業(yè)務(wù) .......................................................................................................... 6 咨詢(xún)業(yè)務(wù) .......................................................................................................... 6 代客理財(cái) .......................................................................................................... 6 保管箱業(yè)務(wù) ...................................................................................................... 7 個(gè)人貸款業(yè)務(wù) .................................................................................................. 7 本章小結(jié) ................................................................................................................... 7 第 3章 國(guó)內(nèi)外商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)發(fā)展?fàn)顩r及比較分析 .......................... 8 . 國(guó)外個(gè)人理財(cái)業(yè)務(wù)發(fā)展?fàn)顩r及特征 ..................................................................... 8 國(guó)外個(gè)人理財(cái)業(yè)務(wù)發(fā)展?fàn)顩r .......................................................................... 8 國(guó)外個(gè)人理財(cái)業(yè)務(wù)發(fā)展特征 .......................................................................... 9 國(guó)內(nèi)個(gè)人理財(cái)業(yè)務(wù)發(fā)展?fàn)顩r ................................................................................. 10 國(guó)內(nèi)外商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的比較分析 ......................................................... 11 個(gè)人理財(cái)業(yè)務(wù)所處的發(fā)展階段不同 ............................................................ 11 理財(cái)產(chǎn)品完備性方面差距較大 .................................................................... 11 本章小結(jié) ................................................................................................................. 14 第 4 章 我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)存在的問(wèn)題及其根源 ............................. 15 我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)存在的問(wèn)題 ............................................................. 15 尚未真正建立 “以客戶(hù)為中心 ”的經(jīng)營(yíng)模式 ................................................. 15 組織機(jī)構(gòu)設(shè)置存在問(wèn)題 ................................................................................ 15 產(chǎn)品同質(zhì)性強(qiáng) ................................................................................................ 15 市場(chǎng)推廣與開(kāi)拓不足 .................................................................................... 16 營(yíng)銷(xiāo)渠道單一 ................................................................................................ 17 科技手段落后 ................................................................................................ 17 高素質(zhì)的綜合理財(cái)人員匱乏 ........................................................................ 17 我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)存在問(wèn)題的根源 ...................................................... 18 限制個(gè)人理財(cái)業(yè)務(wù)發(fā)展的市場(chǎng)因素 ............................................................ 18 限制個(gè)人理財(cái)業(yè)務(wù)發(fā)展的政策因素 ............................................................ 19 本章小結(jié) ................................................................................................................. 20 第 5 章 發(fā)展我國(guó)個(gè)人理財(cái)業(yè)務(wù)的對(duì)策規(guī)劃 ......................................................... 21 大力改善商業(yè)銀行開(kāi)展個(gè)人理財(cái)業(yè)務(wù)的宏觀外部環(huán)境 ..................................... 21 完善商業(yè)銀行個(gè)人理財(cái)?shù)氖袌?chǎng)監(jiān)管和法律規(guī)范 ........................................ 21 加快我國(guó)金融市場(chǎng)的發(fā)展步伐 .................................................................... 21 允許金融的混業(yè)經(jīng)營(yíng) .................................................................................... 21 商業(yè)銀行提高自身個(gè)人理財(cái)業(yè)務(wù)發(fā)展的水平 ..................................................... 22 樹(shù)立以客戶(hù)為中心的經(jīng)營(yíng)理念 .................................................................... 22 構(gòu)建系統(tǒng)化理財(cái)業(yè)務(wù)體系 ............................................................................ 23 塑造理財(cái)品牌 ................................................................................................ 24 國(guó)有商業(yè)銀行應(yīng)該加快網(wǎng)絡(luò)化進(jìn)程 ............................................................ 24 鍛煉和培育高素質(zhì)的客戶(hù)經(jīng)理隊(duì)伍 ............................................................ 25 建立科學(xué)的激勵(lì)機(jī)制 .......................................................