摘要
随着中国加入世贸组织后过渡时期的结束,外资银行纷至沓来,中外资银行对个人理财业务的争夺帷幕已经拉开,中国市场对外资银行的全面开放,国内银行将面临日益严峻的市场考验,个人理财业务已经成为国内外金融业竞相追逐的新利润增长点。尤其近年来资本市场迅速发展,企业融资渠道不断增加,利率逐步实行市场化后,商业银行存贷款利差将大幅下降,增加个人理财业务的利润来源更成为银行业务发展的重点。新疆处于经济欠发达地区,个人理财业务的开展受制因素较多,相关的规范尚不健全,个人理财业务推广进程中存在诸多问题有待研究解决。在这种情况下,研究新疆商业银行个人理财业务就显得很有必要了。
本文尝试从宏观和微观两个方面,理论与实践两个角度,从问题到对策,从现状到趋势,从概念到操作,并积极参照经济学、信息技术研究理论、管理工程理论,系统分析新疆商业银行开展个人理财业务所面临的各种环境以及与国内外商业银行同类业务的差距,研究现状,找出存在的问题,旨在为新疆商业银行更好地开展个人理财业务提供一些实际的建议和策略。
本文共分四个部分:
第一部分,对个人理财业务进行了简述,介绍了商业银行个人理财的一般理论,为本文后面的研究进行铺垫。
第二部分,介绍了中外商业银行开展个人理财业务的情况,借鉴国外商业银行开展这一业务中的先进做法,为我国商业银行发展个人理财业务提供了启示。
第三部分,新疆商业银行开展个人理财业务的现实性考量,分析了我区商业银行开展个人理财业务的动因,考察了理财业务的发展环境和开展现状,剖析了个人理财业务开展中存在的问题及深层次的原因。
第四部分,在前文分析的基础上,提出发展新疆商业银行个人理财业务的思路
Joins World Trade Organization after China the transition period conclusion , the foreign capital bank streams in, center the foreign capital bank to personally managed finances the service to capture the curtain already to pull open, the Chinese market test on the foreign capital bank comprehensive opening, the domestic silver about to faced day by day stern market, personally managed finances the service already to become the new profit growth spot which the domestic and foreign finances industry competed to pursue. The capital market rapid development, the enterprise financing channel unceasingly increased especially in recent years, after the interest rate gradually implemented the city site, the commercial bank will save the loan advantage difference largely to drop, the increase personally managed finances the service profit to originate becomes the bank service development the key point. Xin jiang is in the economy to owe the developed area, personally manages finances the service development to be restrained the factor to be more, the correlation standard still was not perfect, personally managed finances in the service promotion advancement to have many problems to wait for the research solution. In this kind of situation, studied the Xinjiang commercial bank personally to manage finances the service to appear has the necessity very much.
This article attempts from macroscopic and the microscopic two aspects, the theory with practices two angles, from the question to the countermeasure, from the present situation to the tendency, from the concept to the operation, and positively refers to the economic, the information technology research theory, the management engineering theory, the system analysis Xinjiang commercial bank develops personally manages finances each kind of environment as well as with the domestic and foreign commercial bank similar service disparity which the service faces, is for the purpose of developing well for the Xinjiang commercial bank personally manages finances provision of service some actual suggestions and the strategy.
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