本文關鍵詞：我國商業(yè)銀行個人理財市場建設與發(fā)展路徑分析　出處：《西南財經(jīng)大學》2013年碩士論文　論文類型：學位論文

  更多相關文章： 商業(yè)銀行 個人理財業(yè)務 路徑分析

【摘要】：商業(yè)銀行個人理財業(yè)務是近年來被理論界和實務界持續(xù)探討的熱點問題,究其原因,在于我國商業(yè)銀行的個人理財業(yè)務正在迅猛發(fā)展,這不僅是我國社會主義市場經(jīng)濟持續(xù)快速發(fā)展、居民收入水平提高和理財意識強化的必然結(jié)果,而且是商業(yè)銀行自身發(fā)展的必然選擇。 本文首先闡述了商業(yè)銀行個人理財業(yè)務的定義和理論基礎,通過梳理發(fā)達國家或地區(qū)個人理財業(yè)務的產(chǎn)生和發(fā)展背景、總結(jié)其成熟的發(fā)展經(jīng)驗,在回顧我國商業(yè)銀行個人理財業(yè)務發(fā)展歷程的基礎上,分析了我國商業(yè)銀行個人理財業(yè)務的發(fā)展現(xiàn)狀和存在的問題,在預測未來發(fā)展路徑選擇的同時提出了對我國商業(yè)銀行個人理財業(yè)務的發(fā)展建議。 商業(yè)銀行個人理財業(yè)務發(fā)展的外在動力有兩個方面,宏觀上看,個人理財業(yè)務的發(fā)展有利于促進儲蓄向投資的轉(zhuǎn)化,從而促進國民經(jīng)濟健康平穩(wěn)地發(fā)展；微觀上看,個人對于資產(chǎn)保值增值和風險防范的要求為個人理財業(yè)務提供了廣闊的市場需求。商業(yè)銀行個人理財業(yè)務發(fā)展的內(nèi)在動力是為了尋求新的利潤增長點、實現(xiàn)資產(chǎn)優(yōu)化配置、開拓新的投資渠道和方式、增加抵御和防范金融風險的能力。
[Abstract]:The personal financial services of commercial banks is a hot issue in recent years by the theorists and practitioners continue to explore, the reason is that China's commercial banks personal financial business is developing rapidly, it is not only our country socialist market economy rapid development, the inevitable result of residents' income level to improve and strengthen the awareness of financial management, and the inevitable choice of the development of commercial banks.
This paper first describes the personal financial management business of commercial banks of the definition and theoretical basis, through the background of creation and development of the personal financial business out of the developed countries or regions, summarizes their successful experience of development, based on a review of the development of personal financial business of commercial banks in China, analyzes the current development of the personal financial business of commercial banks in China and the problems in predicting the future development path selection and put forward proposals for the development of personal financial business of commercial banks in China.
The external motive force of the development of the personal financial services of commercial banks in two aspects, the macro perspective, the development of personal financial services is conducive to promoting the transformation of savings to investment, so as to promote the healthy and stable development of the national economy; the microcosmic view, for individual assets and risk prevention requirements for personal financial services provide a broad market demand. The inner force of the development of the personal financial services of commercial banks in order to seek new profit growth point, to achieve the optimal allocation of assets, open up new investment channels and ways to increase the ability to resist and prevent financial risks.

【學位授予單位】：西南財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.2

【參考文獻】

相關期刊論文 前6條

1 ;2011年銀行理財產(chǎn)品市場年報[J];銀行家;2012年01期

2 趙立航;;我國個人理財服務的歷史發(fā)展[J];上海經(jīng)濟研究;2007年03期

3 李勇;;國外理財市場監(jiān)管立法研究[J];佳木斯教育學院學報;2011年06期

4 汪長春;;我國理財市場的發(fā)展現(xiàn)狀與對策研究[J];中國市場;2011年48期

5 楊柯;;我國個人理財市場的發(fā)展研究[J];現(xiàn)代商業(yè);2010年27期

6 豐冰;從供需角度看我國商業(yè)銀行人民幣理財業(yè)務的發(fā)展[J];新金融;2005年10期

，

本文編號：1357981