我國(guó)銀行個(gè)人金融業(yè)務(wù)的現(xiàn)狀及發(fā)展對(duì)策

內(nèi) 容 摘 要

隨著中國(guó)經(jīng)濟(jì)的快速發(fā)展，人民收入水平得到了極大的提高，越來越多的人開始通過商業(yè)銀行等金融機(jī)構(gòu)，對(duì)自身閑置的資金進(jìn)行理財(cái)，以獲取更高的資金收益。個(gè)人理財(cái)業(yè)務(wù)是其最重要的金融業(yè)務(wù)之一，是商業(yè)銀行利潤(rùn)的重要來源。研究個(gè)人理財(cái)業(yè)務(wù)發(fā)展現(xiàn)狀及趨勢(shì)，對(duì)商業(yè)銀行提高經(jīng)營(yíng)利潤(rùn)、擴(kuò)大業(yè)務(wù)規(guī)模，有著極其重要的意義。個(gè)人金融業(yè)務(wù)相對(duì)于個(gè)人而言,一般是指以合理安排客戶財(cái)務(wù)為手段,面向?yàn)榫用駛�(gè)人消費(fèi)提供的小額、零星銀行產(chǎn)品和服務(wù)，但是個(gè)人金融業(yè)務(wù)發(fā)展的市場(chǎng)環(huán)境還不夠成熱。市場(chǎng)定位和客戶關(guān)系管理跟不上競(jìng)爭(zhēng)需要,技術(shù)手段落后，為適應(yīng)這一趨勢(shì),必須樹立現(xiàn)代經(jīng)營(yíng)理念,強(qiáng)化營(yíng)銷,利用自身優(yōu)勢(shì),努力擴(kuò)大個(gè)人優(yōu)質(zhì)客戶群體,積極創(chuàng)新個(gè)人金融業(yè)務(wù),推動(dòng)專業(yè)化服務(wù),加強(qiáng)人才培養(yǎng),并建立健全管理考核機(jī)制,以適應(yīng)個(gè)人金融業(yè)務(wù)發(fā)展需要,推動(dòng)個(gè)人金融業(yè)務(wù)加快發(fā)展。

[關(guān)鍵詞]：關(guān)系和現(xiàn)狀;問題和對(duì)策;重要性和不足；促進(jìn)轉(zhuǎn)型

目錄

一 個(gè)人金融業(yè)務(wù)的關(guān)系和現(xiàn)狀..........................................................................................5

1.1個(gè)人金融業(yè)務(wù)的關(guān)系...............................................................................................................5

1.2個(gè)人理財(cái)業(yè)務(wù)現(xiàn)態(tài) ..................................................................................................................5

二 個(gè)人金融業(yè)務(wù)存在的問題及對(duì)策............................................................................................6

2.1個(gè)人理財(cái)業(yè)務(wù)發(fā)展的問題..........................................................................................................6

2.1.1個(gè)人金融業(yè)務(wù)存在的問題.......................................................................................................................6

2.1.2產(chǎn)品同質(zhì)化嚴(yán)重......................................................................................................................................6

2.1.3風(fēng)險(xiǎn)管理不到位..............................................................................................................................................6

2.1.4專業(yè)理財(cái)人員匱乏........................................................................................................................................7

2.2個(gè)人理財(cái)業(yè)務(wù)發(fā)展的對(duì)策......................................................................................................7

2.2.1制定有效的產(chǎn)品創(chuàng)新策略...................................................................................................7

2.2.2建立完善的風(fēng)險(xiǎn)管理體系.......................................................................................................7

2.2.3細(xì)分市場(chǎng)各群體,滿足客戶多層次需求.........................................................................7

2.2.4打造專業(yè)型隊(duì)伍,拓寬服務(wù)渠道..........................................................................................8

三 個(gè)人理財(cái)業(yè)務(wù)轉(zhuǎn)型的重要性和創(chuàng)新.........................................................................8

3.1轉(zhuǎn)型的重要性...................................................................................................................................8

3.1.1有助于經(jīng)營(yíng)定義...............................................................................................................................................8

3.1.2有利于理財(cái)產(chǎn)品市場(chǎng)良性發(fā)展..................................................................................................................8

3.1.3有助于規(guī)范理財(cái)產(chǎn)品市場(chǎng).................................................................................................………………….8

3.2個(gè)人金融業(yè)務(wù)的不足.....................................................................................................................9

3.2.1理財(cái)產(chǎn)品剛性兌付嚴(yán)重.................................................................................................................................9

3.2.2設(shè)計(jì)不合理同質(zhì)化現(xiàn)象嚴(yán)重........................................................................................................................9

3.2.3信息披露不足.....................................................................................................................................................9

3.2.4人員專業(yè)性有待提高.....................................................................................................................................10

3.2.5業(yè)務(wù)外部環(huán)境有待改善................................................................................................................................10

四 個(gè)人理財(cái)業(yè)務(wù)轉(zhuǎn)型方式..................................................................................................10

4.1促進(jìn)我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)轉(zhuǎn)型................................................................................11

4.2 理財(cái)產(chǎn)品由封閉式轉(zhuǎn)向開放式..............................................................................................11

4.3理財(cái)業(yè)務(wù)去通道化.......................................................................................................................11

五 結(jié)束語................................................................................................................................................12

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