文档介绍：河北大学硕士学位论文我国商业银行个人理财业务发展研究姓名:叶文婷申请学位级别:硕士专业:金融学指导教师:鲍静海 2011-06 摘要 I 摘 要 随着我国经济的发展,居民收入水平不断提高,商业银行储蓄总量逐年放大。然而, 近年来随着CPI 的逐年走高,通货膨胀压力增大。由国家统计局发布的数据显示,截至到 2010 年末,我国金融机构各项存款余额为 万亿元,同比增长 %,而 2010 年全年CPI %。一方面是高储蓄量,一方面却是受到通胀影响的低利率乃至负利率, 简单的储蓄已不能满足居民货币增值保值需要。面对着居民日益增加的消费、子女教育、养老等理财需求,商业银行个人理财业务正越来越受到人们的关注。 2008 年,受到国际金融危机的影响,我国商业银行个人理财业务遭遇寒冬,众多理财产品出现零收益的现象,再加上 2009 年年初信贷扩张,理财产品潜在风险加大等原因,2009 年银监会出台了一系列针对商业银行个人理财业务的新政,以整顿市场,促进个人理财市场健康发展。 本文以此背景为基础,介绍了我国商业银行个人理财业务发展的现状,认为虽然我国商业银行个人理财业务起步较晚,但是取得了一定的成绩,现有理财市场已逐步走出金融危机的阴影,理财风格较为稳健。同时本文借鉴了美国、瑞士、日本和香港的先进发展经验,针对我国理财产品质量不高、缺乏以客户为中心的服务理念等几大问题,从改善外部环境及提升商业银行自身管理运作能力两大角度提出了对策建议。 关键字商业银行 个人理财 理财产品 Abstract II Abstract With the development of national economy, th e residents’ e increased and savings enlarged year by year. However, in recent years, the annual CPI has risen year by year and we have faced at the overwhelming datas released from the National Bureau of Statistics showed that, as of the end of 2010, China's financ ial institutions totaled trillion yuan deposits, with increase of %, while full-year 2010 CPI rose %. On the one hand we have the amount of high savings, on the other hand we must face at the low interest rates and even negative interest rates which is affected by the this situation the simple savings can not meet the hedging need s of the growing consumer population, children's education, retirement and other financ ial requirements, commercial banks are more and more concerned at the personal financial services. In 2008, with the influence of the internationa l financial crisis, China'mercial banks went into the winter of Persona l Financial Services, many financial products had zero e that year, and because of the credit expansion in early 2009, the potential increased risk of financial products and other reasons, the CBRC i ssued a series of personal financial services for mercial banks called the New Deal in 2009