毕业设计：我国商业银行个人理财业务和理财产品发展的现状、问题及对策.doc

摘要： 虽然我国商业银行个人理财业务尚处于起步阶段，以来，不仅银行理财产品的种类、发行款数与资金规模开始急剧膨胀，而且已稳居理财市场的第一位，其规模超过其他类别理财产品的总和，成为推动国内理财市场发展的主要力量。Abstract: Although the personal financial services and financial products in china commercial banks is still in the initial stage, However, with the continuous improvement of china economic, and national income raise ceaselessly, at the same time more and more people want to some financial knowledge, by the growing of financial awareness and financial wishes, china has entered in the universal financial management. Since 2004, not only the bank financing product types, distribution, number and scale of funds began to expand quickly, and become the first in finical market, its size exceeds the sum of the other categories financial products has become a major force to promote the domestic financial market. The personal financial services are a short time in china’s development is still Immature in all aspects, thus it has a large gap with the developed countries. Firstly, this article has a simple description of personal financial services and financial products simple, secondly, from the personal finance business development status of china’s commercial banks, analyzes the existing problems of the personal financial service. At end, it explores the countermeasure to promote the health development of personal financial services. Key words: commercial banks personal financial services and financial products development statues existing problems countermeasure 目录 我国商业银行个人理财业务和理财产品的简述--------------------------------1 1.1个人理财概念的出现---------------------------------------------------1 1.2个人理财业务和理财产品的基本内容和分类----------------------------1 1.2.1个人理财业务和理财产品的基本内容--------------------------------1 1.2.2个人理财业务和理财产品的分类-----------------------------------2 1.3个人理财业务和理财产品的特点-----------------------------------------2 二、我国商业银行个人理财业务和理财产品发展的现状-----------------------------2 2.1个人理财业务的需求现状-----------------------------------------------3 2.2理财产品的供给现状--------------------------------