商业银行个人理财业务存在的问题与对策

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摘要

对国内商业银行而言，个人理财业务是一项新兴业务，它是一种综合金融

服务，是指专业理财人员收集客户多方面的资料，明确客户理财目标和风险属

性，为客户量身制定理财方案，满足客户一生不同阶段需求，使其最终实现人

生在财务上的自由、自主、自在。与国外个人理财业务相比，我国的商业银行个

人理财业务还处于初级阶段，理财水平较低，存在一系列的问题。现行的制度限

制了银行个人理财业务创新的空间，产品同质化现象严重，理财业务层次不高，

理财需求和文化制约发展，理财风险控制有待加强等。

正是基于以上背景，国内商业银行个人理财业务目前存在的主要问题、如何

解决这些问题、今后如何开展、发展前景怎样，都是本文要探讨的和研究的目的

我作为一名银行理财工作人员，站在商业银行角度以商业银行个人理财业务发

展为研究对象，绪论部分介绍了文章的研究背景、意义和研究方法。理论部分对

理论在银行个人理财业务中的应用进行了分析。第三部分从国内中间现状入手，

重点阐述了银行个人理财业务的现状并分析了个人理财业务目前存在的问题。随

后文章针对前面提出的问题，提出了改善银行自身个人理财业务的对策。

关键词: 商业银行，多元化，个人理财

ABSTRACT

In domestic commercial Banks, the personal financial management business is a

new business. It is a comprehensive financial service. It is to point to professional

financial personnel collect customers’ various material, to make clear the customer

financial  goals   and   risk   attribute,   for   the   customer   tailor   financial   plans   to  meet
customer demand at life different stages. Banks enable customers to finally realize life
in   financial   freedom 、independence   and   comfort.   Compared   with   the   personal
financial management business abroad. China’s commercial Banks’ personal financial
management business is still at the primary stage. Financial management level is low
and  there are a  series  of problems. The existing  system  has   limited   the   personal
financial   management   business   innovation   space.   Product’s  homogeneity
phenomenon is seriously and financial management business level is not high.
Based   on   the   above   background ，domestic   commercial   Banks'   personal
financial management business exist many problems. How to develop and prospect in
the   future  are   what  will   be   discussed  and   the   purpose   of  the   research.   As  bank
financial   personnel,   I   stood   in   the   commercial   bank   angle   for   commercial   bank
individual   financing   business   development   as   the   research   object.
Background 、significance   summarizing   literatures   and  research  methods   are
introduced in the introduction. The theory  described  section portfolio theory 、the
capital asset pricing model、the life cycle theory and market  subdivision theory. The
theory   of   the   personal   financial   management   business   in   bank’s   application   is
analyzed. The third part first introduced the domestic middle business status. And
then this paper expounds the present situation of the personal financial management
business and analyzes the existing problems. Case analysis section lists two cases.
The one is a bank for 2011 with releasing of specific customer a structured finance
product and the other is making financial planning for the customer. Then according
to front proposed the question, the article proposed countermeasures and Suggestions.
Key   words ：Commercial   Banks ，Diversification ，Personal
Financial 
Management
目录
摘 要...............................................................................................................................1
ABSTRACT...................................................................................................................2
第一章  绪  论................................................................................................................4
1.1 选题的背景.......................................................................................................4
1.2 选题的意义.......................................................................................................5
1.3 本文研究方法与内容.......................................................................................5
第二章  商业银行个人理财业务现状和存在的问题..................................................6
2.1 商业银行个人理财业务现状...........................................................................6

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摘要：

摘要对国内商业银行而言，个人理财业务是一项新兴业务，它是一种综合金融服务，是指专业理财人员收集客户多方面的资料，明确客户理财目标和风险属性，为客户量身制定理财方案，满足客户一生不同阶段需求，使其最终实现人生在财务上的自由、自主、自在。与国外个人理财业务相比，我国的商业银行个人理财业务还处于初级阶段，理财水平较低，存在一系列的问题。现行的制度限制了银行个人理财业务创新的空间，产品同质化现象严重，理财业务层次不高，理财需求和文化制约发展，理财风险控制有待加强等。正是基于以上背景，国内商业银行个人理财业务目前存在的主要问题、如何解决这些问题、今后如何开展、发展前景怎样，都是本文要探讨的和研究的目的我...

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