【作者】 李伟庆；

【导师】 戴志敏；

【作者基本信息】 浙江大学 ， 经济学， 2003， 硕士

【摘要】 我国加入WTO后，发展个人金融业务具有重要意义，一方面是城乡居民合理利用个人财富实现财产增值的客观需要，另一方面是银行业应对外来竞争，提高核心竞争力的重要举措。 本文通过比较分析国内外个人金融业务品种和服务现状，找出目前个人金融服务品种在广度、深度和规模层次方面存在的差距，进而探寻我国个人金融业务在发展中出现的新变化、新趋势。如业务品种由单一化向多元化发展，服务渠道由单一柜台服务向网络银行服务转变。以“新颖化、多样化、专业化、电子化”为特征的个人金融服务的广泛发展，有利于冲破以“条块分割、柜台服务”为特征的旧的传统业务体制的约束，优化我国银行业个人金融业务的升级，促进个人金融业务市场的建立和完善。 本文在比较研究国外的业务品种和服务手段的基础上，分析我国目前个人金融业务发展中存在的一些问题及其原因，同时借鉴国外经验，综合考虑我国相关的金融政策，提出一些深化和完善我国个人金融业务发展的对策。更多还原

【Abstract】 In the period of post-WTO, the development of individual financial business will play an important role in China’ economy. On one hand , it meets the demands of residents for managing their personal financial assets scientifically. On the other hand, it is also an important act for domestic banks’ needs to improve their competitive powers.Through analyzing the current conditions of both foreign and domestic individual financial business, this paper intends to find out the current gaps of individual financial business in extent, depth and size levels, and investigate some new changes, trends and characteristics existing in the development of this business. For example, the contents of service develop from simplification to diversification, and simple counter services change to network bank services. The development of individual financial business characterized by the new style, variety, professional and electronic may be conducive to get rid of the old patterns and promote the individual financial market, it also brings some unfavorable influences.On the basis of analysis about the variety and ways of the services provided of foreign banks, the paper will design a business system and developing pattern suitable for China’s own individual financial business.更多还原