留学生国际金融论文范文-《浅论商业银行理财》

留学生金融论文代写-ABSTRACTIn recent years, the national level, idle funds continues to increase awareness of personal finance began gradually tightened. In the profits, and spaces business, risks, there is fierce competition in trade and financing pressure, financial business has now become our commercial banks of the new profit growth and for all commercial banks importance. This article mainly analyses the commercial bank management in the development of business and commercial banks to finance business for the sustainable development of our suggestions.KEYWORDS：commercial banks;personal finance;development; countermeasuresOne of commercial Banks personal financial management, the basic concept and content(a) the basic concept of personal financeThe personal financi/jrkj/1723.html l management business, also called wealth management business, is currently developed national commercial bank of the important source of profits. The international financial services means mature: Banks use of customer information and to financial products, analyzes its customers financial status, by understanding and explore customer needs, make customer financial management objectives and plan, and help choose to achieve financial products customer financial goals of a series of service process. Simple for, it is commercial Banks use financial knowledge, professional technology and a wide range of information resources advantage, according to the customer the financial conditions and specific demand, to provide comprehensive, personalized financial services. In addition to providing general information consultation outside, still use savings, financing, bank CARDS, personal check, safekeeping, insurance, securities, foreign exchange, fund, a bond, etc. Various kinds of financial management tool, and puts forward appropriate financial plan and guide the client how to arrange for income and expenditure, through the personal assets of the optimal configuration, in order to achieve personal ideal and goal. These professional services performance for two properties: one kind is GuWenXing. At this time as a commercial bank financial adviser, offering our customers the consultation. The other is the entrusted property. At this time will be in /jrkj/ accordance with the commercial Banks with the customer the predetermined investment plan and the way to invest and asset management business activities.Personal finance, from different Angle can understand. In fact, for any families, there is a family income and property up to the problem. This arrangement should not only meet the needs of the current consumption family, also want to consider family development of the long-term need, but also consider the need to deal with all kinds of emergencies. How to balance of the need, because the values of different, or the utility f/jrkj/1723.html unction different, different family may give different answers. This diversity is lead to social life rich and colorful one of important reasons.Personal finance is through the formulation and implementation of financial planning to achieve. Financial planning first step was to set financial goals. Generally speaking, financial planning objectives to be achieved mainly has: the increase of personal wealth; The reasonable consumer spending; Life expectancy of satisfied; Personal financial safety and retirement and the accumulation of property. In particular, the financial goals and financial wishes different, financial goals must have two basic features: one is the target results can be precise with currency; 2 it is to achieve its deadline. That is to say, need to have financial goals can measure sex and timeliness. The personal financial management business is based on the principal-agent relationship on the basis of a personalized, integrated service of the banking business.留学生金融论文代写-(2) the classification of the personal financial management businessAccording to the management operation different ways, commercial bank of the personal financial management business can be divided into financial management consultancy services and comprehensive financial services.1, financial management consultancy servicesThe commercial bank to provide financial analysis and planning, investment advice, and personal investment product launch, the professional service.2, comprehensive financial servicesCommercial Banks in to provide customers with financial management consultancy services, and on the basis of the commission and authorized for customer, in accordance with the customer the predetermined investment plan and the way to invest and asset management business activities. In the comprehensive financial service activities, the customer representative authorized bank customers in accordance with the contract, direction and way of investment, investment and asset management, investment returns and risks; the customer or the bank customers and in accordance with the contract for way. Such as, the private banking business: the rich and their families to provide system finance business. Financial planning: commercial Banks in the target customer base of potential, based on analyzing the specific target customers development design and sales of capital investment and management plan.According to the customer for earnings in different ways, financial planning and can be divided into guarantee revenue financial plan and the guarantee revenue financial planning. Ensure gains financial planning: the bank to customers in accordance with the contract conditions promise to pay the fixed income, bank for the resulting investment risk; In accordance with the contract or bank to customer commitment for the lowest condition of earnings and take the risk, other investment income by the bank and customers in accordance with the contract, and to take the distribution related investment risk financial planning. Due to ensure gains financial planning may be commercial Banks use become higher reservoir expansion and embrace, the method can avoid interest rate control and unfair competition. So, regulators to ensure gains financial planning implemented strict examination /jrkj/1723.html and approval system and procedures. According to the commercial bank of the personal financial management business management provisional way “regulation:“ guaranteed income financial planning and related products is higher than in the same period of guarantee deposit interest rates should be to the customer, earnings have conditions attached guarantee returns. Commercial Banks shall not unconditional commitment to customer deposit interest rates higher than the same period of guarantee of return.“ The guarantee revenue financial planning: further divided into break-even floating income financial plan and the break-even floating income financial planning. Break-even floating income financial planning: the bank to customers in accordance with the contract conditions that pay the principal, the principal outside of the investment risk assumed by the client, and based on the actual investment income, determine the customer actual income of financial planning. The break-even floating income financial planning: the bank according to the agreed terms and actual investment returns to the client pays income, no guarantee the customer the safety of principal financial planning.(3) the significance and role of personal finance“Personal finance“ is with peoples income increases, the improvement of the quality of life that occurred. In the agricultural economic times, people have a self-sufficient life, the level of productivity is low make most people face is a basic problem survival problems. In the feudal society, “heavy agriculture light business