我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)發(fā)展策略研究

金融論文編號(hào):JR070 有開題報(bào)告,畢業(yè)實(shí)習(xí)報(bào)告,任務(wù)書，外文翻譯，論文字?jǐn)?shù):21249,頁(yè)數(shù):31

目    錄
摘    要 .....................................................I
Abstract .....................................................II
1  緒    論 ..................................................1
1.1  研究的背景.............................................. 1
1.2  研究的意義 ..............................................1
1.2.1  理論意義.............................................. 1
1.2.2  實(shí)際意義.............................................. 2
1.3  國(guó)內(nèi)外研究現(xiàn)狀 ..........................................2
1.3.1  國(guó)外研究現(xiàn)狀 ..........................................2
1.3.2  國(guó)內(nèi)研究現(xiàn)狀.......................................... 3
1.4  研究方法及內(nèi)容.......................................... 4
2  理論基礎(chǔ) ..................................................5
2.1  個(gè)人理財(cái)業(yè)務(wù)概念 ........................................5
2.2  相關(guān)理論的提出.......................................... 5
2.2.1  生命周期理論 ..........................................5
2.2.2  行為金融學(xué)理論 ........................................6
3  國(guó)內(nèi)外個(gè)人理財(cái)業(yè)務(wù)比較分析 ................................8
3.1  組織形式................................................ 8
3.2  市場(chǎng)細(xì)分和市場(chǎng)營(yíng)銷 ......................................8
3.3  產(chǎn)品與品牌 ..............................................8
3.4  業(yè)務(wù)處理與產(chǎn)品開發(fā) ......................................9
3.5  考核方法和指標(biāo) ..........................................9
3.6  其他 ....................................................9
4  我國(guó)商業(yè)銀行個(gè)人理財(cái)現(xiàn)狀和問題 ............................10
4.1  個(gè)人理財(cái)業(yè)務(wù)現(xiàn)狀 ........................................10
4.2  個(gè)人理財(cái)業(yè)務(wù)存在問題的.................................. 11
4.2.1  分業(yè)經(jīng)營(yíng)政策的困惑 ....................................11
4.2.2  金融市場(chǎng)欠發(fā)達(dá) ........................................12
4.2.3  理財(cái)觀念有待進(jìn)一步提高 ................................12
4.2.4  缺乏正確的市場(chǎng)細(xì)分和定位.............................. 12
4.2.5  缺乏嚴(yán)謹(jǐn)高效的理財(cái)業(yè)務(wù)管理機(jī)制 ........................13
4.2.6  理財(cái)產(chǎn)品風(fēng)險(xiǎn)梯度不夠完整 ..............................13
4.2.7  缺乏相應(yīng)的后臺(tái)支持.................................... 14
5  發(fā)展我國(guó)個(gè)人理財(cái)業(yè)務(wù)對(duì)策 ..................................16
5.1  客戶細(xì)分和改善客戶結(jié)構(gòu) ..................................16
5.1.1  細(xì)分客戶差異化管理 ....................................16
5.1.2  建立完整的客戶數(shù)據(jù)資料庫(kù) ..............................17
5.1.3  以服務(wù)引領(lǐng)理財(cái) ........................................18
5.2  加強(qiáng)理財(cái)服務(wù)隊(duì)伍建設(shè) ....................................18
5.3  強(qiáng)化理財(cái)產(chǎn)品管理........................................ 18
5.4  優(yōu)化服務(wù)渠道建設(shè) ........................................20
5.4.1  人工網(wǎng)點(diǎn)建設(shè) ..........................................21
5.4.2  建設(shè)電子渠道服務(wù)網(wǎng)絡(luò) ..................................21
5.4.3  加強(qiáng)集中管理及優(yōu)化人員組合 ............................21
5.5  加強(qiáng)保障支持服務(wù)系統(tǒng)建設(shè)................................ 22
5.6  強(qiáng)化合作共贏 ............................................22
5.7  加快個(gè)人理財(cái)服務(wù)的創(chuàng)新 ..................................23
結(jié)    論 .....................................................24
參考文獻(xiàn) .....................................................25
致    謝 .....................................................27
附    錄1.................................................... 28
附    錄2.................................................... 34

摘    要
      我國(guó)商業(yè)銀行個(gè)人理財(cái)還處于起步階段以傳統(tǒng)業(yè)務(wù)為主，市場(chǎng)潛力巨大，但我國(guó)商業(yè)銀行的個(gè)人理財(cái)業(yè)務(wù)存在著諸多問題，如；分業(yè)經(jīng)營(yíng)、金融市場(chǎng)欠發(fā)達(dá)、理財(cái)觀念落后、缺乏市場(chǎng)細(xì)分和定位、缺乏后臺(tái)支持、理財(cái)產(chǎn)品梯度不夠，都制約著我國(guó)個(gè)人理財(cái)業(yè)務(wù)的發(fā)展。針對(duì)上述存在的問題研究相應(yīng)的解決對(duì)策；客戶細(xì)分改善客戶結(jié)構(gòu)、加強(qiáng)合作、建立完善的客戶數(shù)據(jù)庫(kù)、加快服務(wù)隊(duì)伍建設(shè)、優(yōu)化渠道、產(chǎn)品創(chuàng)新等。

關(guān)鍵詞： 商業(yè)銀行；個(gè)人理財(cái)；發(fā)展策略

Abstract
        China's Commercial Banks Personal Finance also at the initial stage to the main traditional business, the tremendous market potential, but China's commercial banks of Personal Financial Services there are many other issues, such as; points operators, underdeveloped financial markets, financial management concepts behind the lack of detailed market Points and positioning, the lack of background support, financial management products gradient not enough, constraining China's personal financial business. To address the above issues on the corresponding countermeasures; customer segmentation to improve customer structure, strengthen cooperation, and establish and improve the customer databases, to accelerate the building of the contingent services, and optimize the channels, product innovation, and so on.

Key words: commercial banks; personal financial management; development strategy