我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的現(xiàn)狀、問(wèn)題及建議

摘要：
個(gè)人理財(cái)業(yè)務(wù)是商業(yè)銀行推進(jìn)綜合化經(jīng)營(yíng)戰(zhàn)略的重要載體和提高中間業(yè)務(wù)收入的重要手段。我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)尚處于起步階段，產(chǎn)品風(fēng)險(xiǎn)揭示不足，品種結(jié)構(gòu)不合理以及粗放式發(fā)展等問(wèn)題仍然存在。
本文首先對(duì)個(gè)人理財(cái)相關(guān)的理論進(jìn)行綜述，然后通過(guò)在與西方發(fā)達(dá)國(guó)家比較的基礎(chǔ)上，總結(jié)了我國(guó)銀行理財(cái)產(chǎn)品市場(chǎng)的發(fā)展?fàn)顩r，同時(shí)針對(duì)當(dāng)前理財(cái)市場(chǎng)中值得關(guān)注的重點(diǎn)問(wèn)題展開(kāi)分析。最后，對(duì)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)未來(lái)的發(fā)展方向及思路進(jìn)行探索，提出建議。

關(guān)鍵詞：商業(yè)銀行；個(gè)人理財(cái)；現(xiàn)狀；問(wèn)題；建議

Abstract:
Personal financial Services is a commercial banking operation of an integrated strategy to promote the importance of carriers and increase the income of the middle of an important means of business. Commercial Bank of China’s wealth management business is still in its infancy, Reveals the lack of product risks, the variety structure is irrational, as well as extensive development, and so the problem still exists.
Firstly, the theory of personal finance-related were reviewed, and then compared with the western developed countries, outlined the development of financial products market.thirdly, for the current financial market, the key issues of concern will be analyzed. Finally, some recommendations will be put forward for the future direction and to explore ideas.

Key words: commercial banks;personal financial; Status;problems; recommendations

目錄
引言 3
1理論綜述 3
1.1個(gè)人理財(cái)業(yè)務(wù)的內(nèi)涵 3
1.2目前國(guó)內(nèi)研究成果狀況 4
2以美國(guó)為代表的發(fā)達(dá)國(guó)家個(gè)人理財(cái)業(yè)務(wù)分析 6
2.1個(gè)人理財(cái)業(yè)務(wù)在美國(guó)的發(fā)展 6
2.2發(fā)達(dá)國(guó)家個(gè)人理財(cái)業(yè)務(wù)特點(diǎn) 7
2.2.1以“客戶為中心”的經(jīng)營(yíng)理念 7
2.2.2業(yè)務(wù)多樣化 8
2.2.3業(yè)務(wù)種類豐富，范圍廣泛 8
3我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)現(xiàn)狀及問(wèn)題 8
3.1目標(biāo)客戶對(duì)象門檻較高 9
3.2網(wǎng)絡(luò)化程度不高，需要加強(qiáng)信息系統(tǒng)建設(shè) 9
3.3專業(yè)的理財(cái)人員不足，人力資源管理還不完善 10
3.4產(chǎn)品創(chuàng)新能力不強(qiáng)，同質(zhì)現(xiàn)象嚴(yán)重 11
3.5對(duì)客戶風(fēng)險(xiǎn)提示及信息披露不充分 12
3.6品牌意識(shí)不夠強(qiáng)，營(yíng)銷能力較弱 12
3.7多頭監(jiān)管，存在較大的風(fēng)險(xiǎn)漏洞 13
4對(duì)我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)未來(lái)發(fā)展的建議 14
4.1向混業(yè)經(jīng)營(yíng)轉(zhuǎn)變是必然的趨勢(shì) 14
4.2加強(qiáng)客戶關(guān)系管理 15
4.3培育高素質(zhì)專業(yè)化的人才隊(duì)伍 15
4.4提升技術(shù)服務(wù)能力，加強(qiáng)新技術(shù)應(yīng)用 16
4.5推行有效的產(chǎn)品策略，探尋理財(cái)市場(chǎng)發(fā)展新空間 17
4.6加強(qiáng)品牌競(jìng)爭(zhēng)觀念，做好品牌營(yíng)銷 17
4.7完善風(fēng)險(xiǎn)管理，做好收益評(píng)估 18
4.8培育良性的個(gè)人理財(cái)環(huán)境 19
結(jié)束語(yǔ) 20
參考文獻(xiàn) 21