试论理财产品创新对我国商业银行的影响

摘  要

与西方商业银行发展迅速的个人理财业务相比，我国商业银行这项业务的发展明显落后，且差距很大。近年来，随着金融开放加快、商业银行竞争加剧、国民经济增长和个人财富的增加，个人理财业务迅速发展。由于受金融法律制度、金融管理体制和金融市场发育程度等方面的制约，我国商业银行理财业务在快速发展和演进的同时，也出现了一些新问题。本文主要分析我国个人理财业务的发展现状和存在的主要问题，提出切实可行的发展、创新个人理财业务的对策。

关键词：我国商业银行，个人理财业务，滞后，创新

Abstract

Compared with the rapid development of personal banking in western commercial banks, China's commercial banks` was visibly backward; even we can say the gap was quite large. In recent years, along with the acceleration of financial liberalization, increased competition between commercial banks, economic growth and the increase of personal wealth, personal banking has been growing rapidly. Due to the constraints from the financial legal system, the financial management system and the lag upgrowth of financial market, a number of new problems come with the rapid development and evolution of financial services in China’s commercial banks. This article was mainly focused on the analysis of the status and some main problems in China’s personal banking development. And also some solutions on practically developing innovative personal banking were raised here.

Keywords: China's commercial banks, personal banking, lag, innovation

目　录

1 商业银行个人理财业务现状分析 1

1.1 个人理财业务概述 1

1.2 我国个人理财业务的背景环境 1

1.3 我国商业银行个人理财业务现状 2

1.4 我国商业银行个人理财业务的运营问题分析 2

2 境外和香港地区个人理财业务的发展状况和经验 5

2.1 境外和香港地区商业银行个人理财业务发展状况 5

2.2 境外和港澳地区商业银行个人理财业务经验 6

3 我国商业银行个人理财业务的发展对策 9

3.1 以提供综合理财策划服务为出发点，不断丰富个人理财的产品服务体系 9

3.2 加强客户分析，了解不同客户的不同需求 10

3.3 注重细分市场和客户市场定位，加强客户关系管理 11

3.4 重视客户经理队伍建设，建立有效的考核激励机制 11

3.5 多渠道客户实体接触，分层次实施差异化服务 12

4 结束语 15

参考文献 16

致谢 17