金融学专业毕业论文--我国商业银行个人金融业务发展研究.doc

摘要
个人金融业务作为现代商业银行业务体系的重要组成部分,以其业务成长性好、业务活动涉及范围广、业务风险相对较低以及经营收入相对稳定等特点,逐渐或已经成为现代商业银行的重要利润来源。
随着我国社会主义市场经济制度不断完善,个人收入不断提高,家庭所拥有的金融资产大幅上升,消费、投资意愿及现代理财观念增强,金融服务需求口益多样化。然而,由于受到银行经营管理水平的限制,个人金融业务的发展速度和服务水平还远远不能适应市场的需求。如何使我国商业银行个人金融业务更加完善已成为我国商业银行面临的新课题。本文从国内商业银行个人金融业务现状分析入手,在此基础上进一步分析了国内商业银行个人金融业务发展中存在的问题,最后提出发展我国商业银行个人金融业务的对策建议。
关键词: 商业银行,个人金融业务,发展研究
ABSTRACT
Personal Financial Services as an important part of the mercial banking system, as its good growth in its business and activities cover a wide range of business and the risk is relatively low and relatively stable operating e and other characteristics, and gradually, or has e an important mercial banks profits sources.
As China's socialist market economic system continue to improve, rising personal e, household financial assets have increased substantially, consumption, investment and modern financial management concepts will increase, demand for financial services export diversification benefits. However, due to restrictions on the level of bank management, personal financial business development speed and level of service far can not meet the market demand. How to make China'mercial banks more sound personal financial business has e China'mercial banks face a new topic. This article from mercial banks, analyzing personal financial business situation, in-depth analysis of mercial banking business development in personal financial problems, and then proposed the development of personal financial services mercial banks countermeasures.
Key words: commercial bank, personal finance, development research,
目录

摘要………………………………………………………………………………………Ⅰ
Abstract…………………………………………………………………………………Ⅱ
一、我国商业银行个人金融业务发展现状……………………………………………1
(一)个人金融业务日趋丰富……………………………………………………1
(二)个人金融业务规模快速增长………………………………………………2
(三)个人金融业务服务水平不断提高…………………………………………4
(四)个人金融业务服务技术不断进步…………………………………………4
(五)个人金融业务市场需求增加………………………………………………4
二、我国商业银行个人金融业务面临的问题及其原因分析…………………………5
(一)个人信用体系缺失…………………………………………………………5
(二)金融市场发展滞后…………………………………………………