本文關(guān)鍵詞：中國(guó)銀行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展研究　出處：《吉林大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

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【摘要】：隨著我國(guó)市場(chǎng)經(jīng)濟(jì)體制的逐步確立和完善，金融在經(jīng)濟(jì)生活中的地位日益突出。金融市場(chǎng)無(wú)論是在范圍上、規(guī)模上，還是在市場(chǎng)深度上及市場(chǎng)主體的參與程度上，都發(fā)生了深刻的變化。在這樣的背景下，中國(guó)銀行作為國(guó)家的金融機(jī)構(gòu)在業(yè)務(wù)開發(fā)方面也面臨著更多的機(jī)遇和挑戰(zhàn)，這種轉(zhuǎn)變影響了中國(guó)銀行的業(yè)務(wù)經(jīng)營(yíng)范圍�，F(xiàn)在，理財(cái)服務(wù)正日漸成為其新的利潤(rùn)來(lái)源，理財(cái)觀念已經(jīng)廣泛滲透于企業(yè)、個(gè)人和家庭。可以說(shuō)，理財(cái)業(yè)務(wù)的開發(fā)研究極具現(xiàn)實(shí)意義。 任何經(jīng)濟(jì)活動(dòng)的主體都離不開理財(cái)?shù)幕顒?dòng)，但不同的經(jīng)濟(jì)金融環(huán)境、不同的理財(cái)思維，對(duì)理財(cái)主體的意義和效果是大不相同的。理財(cái)可以從不同角度來(lái)理解，對(duì)從事工商業(yè)活動(dòng)的主體而言，，理財(cái)即“公司理財(cái)”、“企業(yè)理財(cái)”。對(duì)金融機(jī)構(gòu)來(lái)講，理財(cái)就是“客戶理財(cái)”。對(duì)社會(huì)最小的活動(dòng)單元——個(gè)人或家庭來(lái)說(shuō)，理財(cái)即“個(gè)人理財(cái)”、“家庭理財(cái)”。本文將以中國(guó)銀行針對(duì)后者即個(gè)人（家庭）理財(cái)業(yè)務(wù)的開發(fā)為研究對(duì)象進(jìn)行深入探討。 我國(guó)目前正處于轉(zhuǎn)型期，經(jīng)濟(jì)得到了快速發(fā)展，國(guó)家財(cái)力達(dá)到前所未有的高度，“國(guó)富自然民強(qiáng)”，個(gè)人的財(cái)富也在不斷積累，產(chǎn)生了越來(lái)越多的中上等收入者，個(gè)人的消費(fèi)觀念也就隨之發(fā)生改變，理財(cái)意識(shí)正在覺醒。隨著個(gè)人（家庭）的財(cái)富日益集中，老齡化社會(huì)的加速來(lái)臨，社會(huì)金融需求日趨多樣化和個(gè)性化，以及金融，保險(xiǎn)等一系列改革措施的不斷完善和個(gè)人投資理財(cái)渠道的不斷拓寬，越來(lái)越多的個(gè)人（家庭）產(chǎn)生了理財(cái)意識(shí)。對(duì)什么是“理財(cái)”，如何“理好財(cái)”成為人們?nèi)找骊P(guān)心的民生問題。由此，我國(guó)各個(gè)銀行琳瑯滿目的理財(cái)產(chǎn)品應(yīng)運(yùn)而生，但我國(guó)的銀行不同于資本主義的私營(yíng)金融企業(yè)，是有中國(guó)特色的社會(huì)主義銀行，特別是中國(guó)銀行。所以，在理財(cái)業(yè)務(wù)開發(fā)時(shí)要注意銀行在取得利潤(rùn)的過程中，如何處理自身效益和社會(huì)效益的矛盾，要恪守為人民服務(wù)的宗旨，必須堅(jiān)決執(zhí)行國(guó)家的方針政策，服從國(guó)家的宏觀調(diào)控，從而在總體上實(shí)現(xiàn)社會(huì)性的統(tǒng)一。 在中國(guó)銀行理財(cái)業(yè)務(wù)開發(fā)的過程中要考慮諸多因素，諸如社會(huì)經(jīng)濟(jì)環(huán)境、現(xiàn)代人們生活方式、理財(cái)觀念與模式等都起著重要的作用。本文以中國(guó)銀行的個(gè)人理財(cái)業(yè)務(wù)的實(shí)踐為例證，結(jié)合國(guó)外銀行成熟的經(jīng)驗(yàn)，對(duì)中國(guó)銀行乃至整個(gè)國(guó)有商業(yè)銀行開展個(gè)人理財(cái)服務(wù)的必要性、可行性、策略、收益與風(fēng)險(xiǎn)進(jìn)行分析和研究，試圖找到一種符合中國(guó)銀行自身實(shí)際，行之有效的個(gè)人理財(cái)?shù)臉I(yè)務(wù)發(fā)展模式。本文采取了結(jié)構(gòu)式訪問法、個(gè)案研究法及數(shù)據(jù)分析的研究方法，在總結(jié)前人研究成果的基礎(chǔ)上對(duì)中國(guó)銀行個(gè)人理財(cái)業(yè)務(wù)的現(xiàn)狀展開系統(tǒng)性的論述與分析，通過與國(guó)外銀行個(gè)人理財(cái)業(yè)務(wù)的比較，發(fā)現(xiàn)針對(duì)個(gè)人（家庭）理財(cái)?shù)挠^念和配套體系仍有不足或缺陷，特別是在理財(cái)業(yè)務(wù)價(jià)值核心為原點(diǎn)的相關(guān)配套體系的建設(shè)與研究存在較多問題。要知道財(cái)富思想的啟蒙，對(duì)今天的中國(guó)人而言，不僅是追求財(cái)富的問題，更是一個(gè)深度的思想解放的問題。因此，借助對(duì)人們追求財(cái)富情緒的引導(dǎo)，重建陷入迷茫的社會(huì)財(cái)富價(jià)值體系是很有必要的。本文最后著眼于經(jīng)濟(jì)社會(huì)的發(fā)展目標(biāo)，根據(jù)中國(guó)銀行的結(jié)構(gòu)與特點(diǎn)，提出其開發(fā)個(gè)人（家庭）理財(cái)業(yè)務(wù)的理念和配套體系，推進(jìn)金融混業(yè)經(jīng)營(yíng)，建立完善的組織機(jī)構(gòu)和運(yùn)行機(jī)制，加大理財(cái)產(chǎn)品的創(chuàng)新，豐富理財(cái)內(nèi)容，培養(yǎng)專業(yè)的金融人才。
[Abstract]:With the gradual establishment and perfection of the market economy in our country, the financial status in the economic life of the increasingly prominent. The financial market both in scope and scale, or the degree of participation in the market depth and the market main body, have undergone profound changes. In this context, the bank as a financial Chinese the mechanism of the state in business development is facing more opportunities and challenges, the impact of changes in the business scope China bank. Now, financial service has become the new profit source, management concept has been widely penetrated in enterprise, personal and family. It can be said that the financial business development of great practical significance.
The main body of any economic activity all cannot do without the financial activities, but different economic and financial environment, different financial management thinking is not the same on the significance and effect of the financial subject. Financial management can be understood from different angles, the subjects engaged in the business, financial or corporate finance "," enterprise finance. For financial institutions, financial management is "customer management". For the smallest social activity unit -- individuals or families, namely financial "personal finance", "family financial management". This will be the China bank for the latter is a personal (family) financial managementbusiness development as the object of research are discussed.
Our country is in the transition period, the rapid development of economy, national financial resources to reach the height of hitherto unknown, "the wealth of natural people strong, personal wealth is the continuous accumulation, produced more and more in the superiorearners personal consumption idea also changed, financial management with personal consciousness is awakening. (family) wealth is increasingly concentrated, the acceleration of aging society is coming, the social financial demand is becoming more and more diversified and personalized, and finance, insurance and a series of reform measures and perfecting personal finance and investment channels are constantly expanding, more and more personal (family) have financial awareness. What is" financing ". How to manage money" has become increasingly concerned about people's livelihood. Therefore, China's banks financial products emerged a superb collection of beautiful things, but the private financial bank in our country is different from capitalism There is a Chinese enterprise, socialist bank, especially China bank. So, in the financial business development should pay attention to the bank in the process of obtaining profits, how to deal with the contradiction between economic and social benefits, to keep the aim of serving the people, we must resolutely implement the policy of the country, subject to the national macro-control thus, to achieve social unity in general.
In the process of China bank financial business development to consider many factors, such as social and economic environment, modern people's life style, financial management concept and mode has played an important role. Based on the practice of China bank personal financial business as an example, combined with the mature experience of foreign banks, the necessity of Chinese banks and the whole the state-owned commercial banks to develop personal financial services strategy, feasibility analysis and research of income and risk, trying to find a China bank with their actual, effective personal finance business development model. This paper adopts structured interview method, the research methods of analysis and case data, based on the summary of previous studies on the current situation of personal financial services Chinese bank to discuss the systematic analysis and comparison with foreign bank personal financing business, find the needle The personal (family) financial ideas and supporting system is still insufficient or defective, especially in the core value of financial business related system construction and research for the origin of the existence of many problems. To know the wealth thought enlightenment to today's Chinese, is not only the pursuit of wealth, it is a the depth of the emancipation of the problem. Therefore, with the help of the people to pursue the wealth of emotions guide, reconstruction in confusion of social wealth value system is very necessary. This paper finally focuses on the development goals of economy and society, according to the structure and characteristics of China bank, and puts forward its development and personal (family) financial business concept and supporting system and promote the financial mixed operation, establish and improve the organization and operation mechanism, strengthen the financial product innovation, rich financial content, training of professional financial personnel.

【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

【引證文獻(xiàn)】

相關(guān)期刊論文 前3條

1 馬潔晶;龍求輝;;中國(guó)銀行個(gè)人理財(cái)業(yè)務(wù)的探討[J];東方企業(yè)文化;2013年09期

2 孫亞昕;;我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的競(jìng)爭(zhēng)力研究[J];中國(guó)高新技術(shù)企業(yè);2013年15期

3 王歡;;我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的風(fēng)險(xiǎn)與管理淺析[J];時(shí)代金融;2013年21期

本文編號(hào)：1358931