银行管理论文-我国商业银行个人理财业务分析.doc
银行管理论文我国商业银行个人理财业务分析论文关键词商业银行个人理财业务理财产品银信合作论文摘要理财业务是商业银行推进综合化经营战略的重要载体和提高中间业务收入的重要手段。我国商业银行理财业务尚处于起步阶段,当前具有以信托贷款产品为主导,产品呢预期收益趋向合理,分成服务体系开始构建等热点。产品风险揭示不足,品种结构不合理以及粗放式发展等问题仍然存在。我国商业银行需要重新考察和研判市场方向,发挥理财业务对经营转型的重要作用;打造卓越品牌形象与特色服务,获取客户的持久信任与忠诚;加大创新力度,探寻理财市场发展新空间;同时,由单一产品向综合平台转变,由大众化产品向分层次服务转变;建立健全理财业务风险管理体系。KEYWORDSCOMMERCIALBANKSPERSONALFINANCIALMANAGEMENTPRODUCTSCORRUPTIONCOOPERATIONSILVERLETTERABSTRACTFINANCIALSERVICESISACOMMERCIALBANKINGOPERATIONOFANINTEGRATEDSTRATEGYTOPROMOTETHEIMPORTANCEOFCARRIERSANDINCREASETHEINCOMEOFTHEMIDDLEOFANIMPORTANTMEANSOFBUSINESSCOMMERCIALBANKOFCHINASWEALTHMANAGEMENTBUSINESSISSTILLINITSINFANCY,THECURRENTLOANPRODUCTSWITHTRUSTBASEDPRODUCTSTENDTODOAREASONABLEEXPECTEDRETURN,DIVIDEDINTOTHEBEGINNINGOFCONSTRUCTIONOFSERVICESYSTEM,SUCHASHOTSPOTSREVEALSTHELACKOFPRODUCTRISKS,THEVARIETYSTRUCTUREISIRRATIONAL,ASWELLASEXTENSIVEDEVELOPMENT,ANDSOTHEPROBLEMSTILLEXISTSCHINASCOMMERCIALBANKSNEEDTOREVISITANDSTUDYTHEMARKETDIRECTION,FINANCIALMANAGEMENTOPERATIONSOFTHEBUSINESSTOPLAYAN