我國商業(yè)銀行個人理財業(yè)務(wù)的現(xiàn)狀、問題及建議

摘要：
個人理財業(yè)務(wù)是商業(yè)銀行推進綜合化經(jīng)營戰(zhàn)略的重要載體和提高中間業(yè)務(wù)收入的重要手段。我國商業(yè)銀行個人理財業(yè)務(wù)尚處于起步階段，產(chǎn)品風險揭示不足，品種結(jié)構(gòu)不合理以及粗放式發(fā)展等問題仍然存在。
本文首先對個人理財相關(guān)的理論進行綜述，然后通過在與西方發(fā)達國家比較的基礎(chǔ)上，總結(jié)了我國銀行理財產(chǎn)品市場的發(fā)展狀況，同時針對當前理財市場中值得關(guān)注的重點問題展開分析。最后，對商業(yè)銀行個人理財業(yè)務(wù)未來的發(fā)展方向及思路進行探索，提出建議。

關(guān)鍵詞：商業(yè)銀行；個人理財；現(xiàn)狀；問題；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個人理財業(yè)務(wù)的內(nèi)涵 3
1.2目前國內(nèi)研究成果狀況 4
2以美國為代表的發(fā)達國家個人理財業(yè)務(wù)分析 6
2.1個人理財業(yè)務(wù)在美國的發(fā)展 6
2.2發(fā)達國家個人理財業(yè)務(wù)特點 7
2.2.1以“客戶為中心”的經(jīng)營理念 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我國商業(yè)銀行個人理財業(yè)務(wù)現(xiàn)狀及問題 8
3.1目標客戶對象門檻較高 9
3.2網(wǎng)絡(luò)化程度不高，需要加強信息系統(tǒng)建設(shè) 9
3.3專業(yè)的理財人員不足，人力資源管理還不完善 10
3.4產(chǎn)品創(chuàng)新能力不強，同質(zhì)現(xiàn)象嚴重 11
3.5對客戶風險提示及信息披露不充分 12
3.6品牌意識不夠強，營銷能力較弱 12
3.7多頭監(jiān)管，存在較大的風險漏洞 13
4對我國商業(yè)銀行個人理財業(yè)務(wù)未來發(fā)展的建議 14
4.1向混業(yè)經(jīng)營轉(zhuǎn)變是必然的趨勢 14
4.2加強客戶關(guān)系管理 15
4.3培育高素質(zhì)專業(yè)化的人才隊伍 15
4.4提升技術(shù)服務(wù)能力，加強新技術(shù)應(yīng)用 16
4.5推行有效的產(chǎn)品策略，探尋理財市場發(fā)展新空間 17
4.6加強品牌競爭觀念，做好品牌營銷 17
4.7完善風險管理，做好收益評估 18
4.8培育良性的個人理財環(huán)境 19
結(jié)束語 20
參考文獻 21