中国银行个人理财业务的发展研究

发布时间：2017-12-31 08:15

本文关键词：中国银行个人理财业务的发展研究　出处：《吉林大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着我国市场经济体制的逐步确立和完善，金融在经济生活中的地位日益突出。金融市场无论是在范围上、规模上，还是在市场深度上及市场主体的参与程度上，都发生了深刻的变化。在这样的背景下，中国银行作为国家的金融机构在业务开发方面也面临着更多的机遇和挑战，这种转变影响了中国银行的业务经营范围。现在，理财服务正日渐成为其新的利润来源，理财观念已经广泛渗透于企业、个人和家庭。可以说，理财业务的开发研究极具现实意义。任何经济活动的主体都离不开理财的活动，但不同的经济金融环境、不同的理财思维，对理财主体的意义和效果是大不相同的。理财可以从不同角度来理解，对从事工商业活动的主体而言，，理财即“公司理财”、“企业理财”。对金融机构来讲，理财就是“客户理财”。对社会最小的活动单元——个人或家庭来说，理财即“个人理财”、“家庭理财”。本文将以中国银行针对后者即个人（家庭）理财业务的开发为研究对象进行深入探讨。我国目前正处于转型期，经济得到了快速发展，国家财力达到前所未有的高度，“国富自然民强”，个人的财富也在不断积累，产生了越来越多的中上等收入者，个人的消费观念也就随之发生改变，理财意识正在觉醒。随着个人（家庭）的财富日益集中，老龄化社会的加速来临，社会金融需求日趋多样化和个性化，以及金融，保险等一系列改革措施的不断完善和个人投资理财渠道的不断拓宽，越来越多的个人（家庭）产生了理财意识。对什么是“理财”，如何“理好财”成为人们日益关心的民生问题。由此，我国各个银行琳琅满目的理财产品应运而生，但我国的银行不同于资本主义的私营金融企业，是有中国特色的社会主义银行，特别是中国银行。所以，在理财业务开发时要注意银行在取得利润的过程中，如何处理自身效益和社会效益的矛盾，要恪守为人民服务的宗旨，必须坚决执行国家的方针政策，服从国家的宏观调控，从而在总体上实现社会性的统一。在中国银行理财业务开发的过程中要考虑诸多因素，诸如社会经济环境、现代人们生活方式、理财观念与模式等都起着重要的作用。本文以中国银行的个人理财业务的实践为例证，结合国外银行成熟的经验，对中国银行乃至整个国有商业银行开展个人理财服务的必要性、可行性、策略、收益与风险进行分析和研究，试图找到一种符合中国银行自身实际，行之有效的个人理财的业务发展模式。本文采取了结构式访问法、个案研究法及数据分析的研究方法，在总结前人研究成果的基础上对中国银行个人理财业务的现状展开系统性的论述与分析，通过与国外银行个人理财业务的比较，发现针对个人（家庭）理财的观念和配套体系仍有不足或缺陷，特别是在理财业务价值核心为原点的相关配套体系的建设与研究存在较多问题。要知道财富思想的启蒙，对今天的中国人而言，不仅是追求财富的问题，更是一个深度的思想解放的问题。因此，借助对人们追求财富情绪的引导，重建陷入迷茫的社会财富价值体系是很有必要的。本文最后着眼于经济社会的发展目标，根据中国银行的结构与特点，提出其开发个人（家庭）理财业务的理念和配套体系，推进金融混业经营，建立完善的组织机构和运行机制，加大理财产品的创新，丰富理财内容，培养专业的金融人才。
[Abstract]:With the gradual establishment and perfection of the market economy in our country, the financial status in the economic life of the increasingly prominent. The financial market both in scope and scale, or the degree of participation in the market depth and the market main body, have undergone profound changes. In this context, the bank as a financial Chinese the mechanism of the state in business development is facing more opportunities and challenges, the impact of changes in the business scope China bank. Now, financial service has become the new profit source, management concept has been widely penetrated in enterprise, personal and family. It can be said that the financial business development of great practical significance.
The main body of any economic activity all cannot do without the financial activities, but different economic and financial environment, different financial management thinking is not the same on the significance and effect of the financial subject. Financial management can be understood from different angles, the subjects engaged in the business, financial or corporate finance "," enterprise finance. For financial institutions, financial management is "customer management". For the smallest social activity unit -- individuals or families, namely financial "personal finance", "family financial management". This will be the China bank for the latter is a personal (family) financial managementbusiness development as the object of research are discussed.
Our country is in the transition period, the rapid development of economy, national financial resources to reach the height of hitherto unknown, "the wealth of natural people strong, personal wealth is the continuous accumulation, produced more and more in the superiorearners personal consumption idea also changed, financial management with personal consciousness is awakening. (family) wealth is increasingly concentrated, the acceleration of aging society is coming, the social financial demand is becoming more and more diversified and personalized, and finance, insurance and a series of reform measures and perfecting personal finance and investment channels are constantly expanding, more and more personal (family) have financial awareness. What is" financing ". How to manage money" has become increasingly concerned about people's livelihood. Therefore, China's banks financial products emerged a superb collection of beautiful things, but the private financial bank in our country is different from capitalism There is a Chinese enterprise, socialist bank, especially China bank. So, in the financial business development should pay attention to the bank in the process of obtaining profits, how to deal with the contradiction between economic and social benefits, to keep the aim of serving the people, we must resolutely implement the policy of the country, subject to the national macro-control thus, to achieve social unity in general.
In the process of China bank financial business development to consider many factors, such as social and economic environment, modern people's life style, financial management concept and mode has played an important role. Based on the practice of China bank personal financial business as an example, combined with the mature experience of foreign banks, the necessity of Chinese banks and the whole the state-owned commercial banks to develop personal financial services strategy, feasibility analysis and research of income and risk, trying to find a China bank with their actual, effective personal finance business development model. This paper adopts structured interview method, the research methods of analysis and case data, based on the summary of previous studies on the current situation of personal financial services Chinese bank to discuss the systematic analysis and comparison with foreign bank personal financing business, find the needle The personal (family) financial ideas and supporting system is still insufficient or defective, especially in the core value of financial business related system construction and research for the origin of the existence of many problems. To know the wealth thought enlightenment to today's Chinese, is not only the pursuit of wealth, it is a the depth of the emancipation of the problem. Therefore, with the help of the people to pursue the wealth of emotions guide, reconstruction in confusion of social wealth value system is very necessary. This paper finally focuses on the development goals of economy and society, according to the structure and characteristics of China bank, and puts forward its development and personal (family) financial business concept and supporting system and promote the financial mixed operation, establish and improve the organization and operation mechanism, strengthen the financial product innovation, rich financial content, training of professional financial personnel.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【引证文献】