商业银行个人理财业务发展研究

【作者】 张磊；

【导师】 邢天才；

【作者基本信息】 东北财经大学 ， 金融学， 2006， 硕士

【摘要】 商业银行个人理财业务隶属于银行中间业务，在西方国家已有近五十年的发展历史，已成为多家西方商业银行业务领域中最重要的组成部分与利润来源，伴随着我国2007年金融业全面开放，外资银行几乎无一例外的将其在中国国内的个人理财业务作为首项重点业务发展。国内各家商业银行从上世纪九十年代也开始涉足于个人理财领域，并逐渐重视个人理财业务在银行业务中的起到的重要作用。限于我国经济与金融体制的诸多现实，目前我国商业银行所开展的个人理财业务，距离真正意义上的全面代客管理资产，为客户量身打造全方位理财方案还有一定的距离；各家商业银行尽管形式上开展了多种多样的理财业务，提供了较多的理财产品，但存在较大的同质化现象，同时，人才，技术，理念等多方面的限制也制约了国内商业银行个人理财业务的长足发展。因此，在这样背景下，探讨商业银行如何有计划有步骤的开展真正适合中国现阶段经济与金融形势的个人理财业务，就显得愈加重要。笔者在实习期间，接触了多家旨在培养第三方理财人才的培训机构，同时也参与了一家商业银行个人理财中心的前期筹备建设工作，深感中国银行业发展个人理财业务的艰辛与困惑，同时也看到了这一领域未来的无限发展空间，有鉴于此，本文最后一章主要根据我的实习经历，提出了笔者认为商业银行个人理财业务亟需解决的三个问题及相关思路。本文包括四部分，第一部分定义了商业银行个人理财业务并明确其内涵，从国际与国内双重背景对商业银行个人理财业务进行了背景分析；第二部分旨在介绍包括香港在内的国际商业银行个人理财业务发展现状，以期对国内银行有所启示；第三部分在简要介绍国内商业银行个人理财业务发展现状的基础上对国内商业银行个人理财业务环境及存在问题加以分析；第四部分，将现阶段商业银行开展个人理财业务归结为主要解决三个问题：客户分析(解决为谁做的问题)、产品分析(解决以什么来做的问题)、工作流程(解决如何做的问题)，最后，针对未来中国商业银行个人理财业务的发展创新，在结合“第三方理财”优势、公私业务联动、跨行业金融超市以及信托与理财的关系等方面提出了笔者的几点思考。更多还原

【Abstract】 The personal wealth management service belongs to intermediary business of bank. It has developed for 50 years in the western world, and played an important role in the worldwide banking business. At the end of 2006, our country banking will open completely square, then all the foreign banks focus on the personal wealth management service in China. Therefore the domestic commercial banks began their personal wealth management service and paid more and more attention to it.Because of many restriction of the our economic and finance system, it has a long distance between our personal wealth management service to the modern wealth management such as assets management and making suitable financial planning for customers. The domestic commercial banks have formally provided their all kinds of personal wealth management services and products; however, the essential of the services is same. And, the lack of human resource, technique and right ideas limits the development of our personal wealth management. So, it becomes very necessary and urgent to discuss how to run the personal wealth management step by step which fits China’s banking.During my externship, I really found there were so many difficulties in the developments of the personal wealth management service, but I indeed believe the future of personal wealth management in China is luciferous.The paper is made up of 4 chapters: in the 1^st part, I define the personal wealth management service of commercial bank, and then analyze the foreign and domestic background of this service; 2^nd chapter introduces the general personal wealth management service situation of the foreign bank, included Hong Kong; 3 ^rd chapter mainly discusses the situation of China at present; in the 4^th chapter, according to my externship experience, I conclude the 3 main jobs of domestic the personal wealth management service of commercial bank, which are customer analysis, product analysis and the process of the wealth management job. At last, I list some of my thoughts about the innovation of the Chinese personal wealth management service of commercial bank.更多还原