[毕业设计精品]我国商业银行个人理财---业务拓展问题研究

A2我国商业银行个人理财业务拓展问题研究内容摘要随着全球化、网络化和金融自由化浪潮的展开，个人理财业务已经成为国际银行业公认的极具潜力的新领域。而随着国内经济结构的加速转型、资本市场的发展、投资渠道的多元化和个人财富的迅速增长，能带来丰厚收益的个人理财业务逐渐成为我国商业银行新的利润增长点。本文首先分析了商业银行个人理财业务在我国的发展现状，在采集和整理大量数据的基础上，分析了其市场状况、产品状况。其次，通过研究发现商业银行个人理财业务近几年来取得了较大的发展，但总体规模尚小，还存在着诸多的内部问G20076和G3818部G19568G11873。G7380G2530G15G19036G4557存在的问G20076和G19568G11873G15G1186银行内部和G3818部G10627G3671G1016个G7053G19766G6564G1998了发展商业银行个人理财业务的G12586G11065。关键词商业银行个人理财产品创新A3目录一、我国商业银行个人理财业务的现状4（一）发展历程4（二）市场总体状况5（三）理财产品状况6二、我国商业银行个人理财业务存在的主要问题分析9（一）内部问题9（二）外部障碍11三、我国商业银行个人理财业务的发展策12（一）银行内部措施12（二）外部环境完善16参考文献18A4我国商业银行个人理财业务拓展问题研究一、我国商业银行个人理财业务的现状（一）发展历程我国商业银行的个人理财业务是随着商业银行经营能力的增强和传统银行信贷市场竞争的加剧、在人口老化、个人财富迅速积累、政府监管放松的背景之下逐步的发展起来的。它在20世纪90年代中期开始出现，在2004年后得到了高速发展。总的来讲，我国商业银行的个人理财业务经历了起步、扩展的发展历程，其具体发展历程的简要概括如下（见表11）。A1A0A5A0A6A7A8A9A10A11A12A13A14A15A9A16A17A18A19A20A21A22A23A24A25A26A25A26A27A28A28A29A30A31A32A33A34A35A36A37A38A39A40A41A42A43A44A45A35A46A47A48A49A50A51A52A53A54A55A56A57A58A59A60A27A28A28A61A51A62A32A33A63A64A65A33A66A67A68A42A43A32A33A69A70A71A72A55A32A33A73A60A27A28A28A74A75A31A32A33A76A77A65A33A34A35A78A79A56A57A80A81A82A83A84A85A86A87A88A89A90A84A91A92A93A94A95A27A96A97A43A98A53A56A57A99A100A101A102A60A27A28A28A103A75A31A32A33A76A77A84A104A105A95A29A106A65A33A41A107A33A108A36A54A55A56A57A40A53A109A110A60A27A28A28A28A111A82A32A33A68A112A113A84A76A77A95A114A54A65A33A111A71A108A54A55A56A57A51A52A60A96A115A115A115A75A31A32A33A76A77A65A33A116A117A118A56A57A101A102A55A119A53A36A54A55A56A57A75A120A121A40A122A123A124A125A41A42A43A44A126A35A46A108A47A119A75A127A128A129A127A53A56A57A101A102A59A123A60A96A115A115A27A130A131A32A33A34A35A36A132A133A134A40A132A135A136A137A41A50A48A49A138A139A36A37A140A141A40A56A57A101A102A60A96A115A115A96A30A31A32A33A34A35A36A132A142A143A40A56A57A41A50A54A55A144A145A48A49A138A139A144A59A87A84A54A146A147A53A148A149A56A57A101A102A60A96A115A115A150A31A131A32A33A34A33A59A123A147A151A152A41A153A54A56A57A59A123A154A154A155A156A157A158A60A159A160A161A34A35A108A36A162A163A56A57A40A60A96A115A115A164A73A65A31A131A32A33A34A35A165A91A166A56A57A58A59A41A167A168A32A33A84A169A76A56A57A95A170A171A56A57A172A141A173A174A175A176A177A178A179A60A180A181A182A183A32A33A44A67A34A35A184A37A90A55A160A166A56A57A58A59A60A96A115A115A29A75A33A84A185A33A186A111A33A187A174A70A71A188A132A189A190A109A110A191A192A193A31A131A32A33A54A55A56A57A131A102A194A195A196A197A147A84A198A199A147A53A178A179A200A201A60A96A115A115A61A202A203A204A43A205A206A186A207A160A54A55A208A209A204A43A31A131A32A33A68A204A91A210A179A132A135A58A59A211A191A193A91A191A198A55A32A33A187A212A213A56A214A215A55A160A166A131A102A193A31A131A32A33A34A35A216A217A218A218A219A220A48A204A91A56A57A221A84A222A170A223A53A170A224A225A56A57A58A59A60A226A227A228A229A230A231A158A232A32A33A169A140A84A233A234A57A235A186A184A37A56A57A169A53A158A232A191A236A237A56A174A35A238（二）市场总体状况我国商业银行的个人理财业务经过一定时期的发展，已经形成了初步的市场框架，具体来讲1市场供给体系已经形成我国商业银行个人理财市场供给体系已基本形成，主要表现为第一，各家银行都建立了G6564供个人理财G7393务的G999G19388G18108G19388、G7600G2500、G18209G3803了G999业人G2604，G6564供一G4557一的个人理财G7393务。G8616如G5049商银行已初步建成了了4家G27G81财富管理中G5527、22家G17161G4498理财中G5527、191家个人理财中G5527、14G24家一G14336理财G13605G9869和1G249家G18341G15713G1427G2045G5227G1128个G4630G13435的立体化G13605G9869G7393务体系，G17902过G999业理财人G2604G1852G7053G1313的为G4470G6155G6564供G256一G4557一G257理财G7393务A239G727G6319商银行在G1852国G22G26个G3490市G16786立G2010行，G13605G9869G6980G18339为4G271个，各G2010行都建G7389G256G18341G14921G14469G257财富管理中G5527、理财中G5527和G17161G4498G4472，形成G17764G4568G1852国各G3332的G7393务G13605G13488，财富管理G999G6177G1125G19610，为G4470G6155G6564供G999业的理财G7393务A240。第二，G993G4581银行建立了G11017G4388G13605G13488体系和G4470G6155G7393务G5191G2500，G6564供个人理财G7393务。G8616如G6319商银行G17902过G7512G12581G13605G990银行、G11017G16817银行、G6175G7438银行、G14270G2173银行G12573G11017G4388G7393务G13605G13488和G4470G6155G7393务G5191G2500，为G4470G6155G6564供G256一G2357G17902G257、G256一G13605G17902G257、G256G18341G14921G14469理财G257、G256G9869G18341理财G257、G256财富G17146G6155G257G12573理财G1147G2709和G7393务。第G989，G16780G3822银行已经形成了G14270G5061G11468G4557G12295定的G4470G6155G13688，G6329G7389G2499G16278的G7393务G4557G16949。如G5049商银行G6329G7389G17241过1G24G1171G2529个人银行G4470G6155，G17837G1135个人G4470G6155中在G18341G15713G17176G1147G1183G1122G24000G1815G14279G24G987G1815之G19400的G17241过G24000G987G6155，在G1856G2508G18341G15713G17176G1147G24G987G1815G1209G990的G17241过1G2500G987G6155A241G727G1144G17902银行G6329G7389G134341G264G26G987G2529G4396G8466G240G987G1815G1209G990的高G12483个人G4470G6155。2个人理财业务G3332G1313逐步G990G2331各家商业银行都G6238个人理财业务G1328为发展G18337G5527，已形成了一定的业务G16280G8181，理财业务G2462其G6922G11422在G6984个银行经营中已经G2356G6466G8616G17751G18337要的G3332G1313。G11013G1122G13582G1059G2499G19764的信G5699G6980G6466，G7389G1863商业银行个人理财业务的市场的G16280G8181状况没G7389统一的G17176料G2499G1209显示。只能列举G18108G2010银行的G16280G8181状况，其中G5049商银行在200G25年的理财G1147G2709销售总额达到了4G222G27G1171G1815，同G8616增长了9G22。其中个人理财业务G6922入增加了1G22G241G1171G1815，达到G222G270G1171G1815，同G8616增长了G260，出现了理财销售额首次大G1122G4396G8466增G18339的局面A242。光大银行从2004年G1209来，个人理财G1147G2709发行G18339已经G17241过1100G1171G1815A243，其中200G25年销售A244A245A246A247A248A249A250A251A252A253A254A255A101A253A0A1A2A3A16A220A4A4A5A6A7A7A8A9A10A11A12A13A14A13A12A15A17A18A12A15A10A7A10A19A20A21A7A22A23A23A24A238A23A90A238A22A71A7A23A23A23A23A23A22A25A26A24A23A26A22A12A220A4A18A272A208A28A29A30A248A31A32A33A250A34A107A35A36A37A29A38A39A40A41A42A43A44A16A220A4A4A5A6A7A7A18A17A10A19A45A12A8A46A21A47A10A19A21A21A12A21A17A220A46A12A15A17A183A247A48A249A32A33A250A22A23A23A49A155A155A504A247A48A249A32A33A2502006A155A155A505A250A51A52A248A197A53A52A54A55A33A250A56A57A58A54A40A29A59A60A61A61A62A63A64A65A66A67A68A69A70A70A72A73A74A74A75A75A75A76A77A78A76A77A79A74A80A246A81A70A82A246A77A70A74A81A83A83A77A74A84A85A74A224A86A86A87A86A88A74A224A87A74A70A224A86A86A87A86A88A224A87A89A91A91A91A92A93A91A94A86A76A81A69A70A95A96A97了G24G220G1171G1815A98。G22市场竞争越来越激烈中国G18341G15713市场G4557外开放G1209后，商业银行个人理财业务面临的竞争格局发生了变化，个人理财市场竞争越来越激烈。商业银行在个人理财业务G7053面出现了G1209下几种竞争态势内G17176商业银行与外G17176商业银行G19400的竞争G727商业银行与保险G1856G2508、信托G1856G2508、基G18341管理G1856G2508、证券G1856G2508G12573非银行G18341G15713G7438G7512G19400的竞争G727内G17176商业银行与国外非G18341G15713G7438G7512附属财务G1856G2508G19400的竞争。4监管G7438制日趋完善伴随我国商业银行个人理财业务的发展，G7389G1863个人理财的法律G16280范也日G11422推出。200G24年，中国银监会颁布了商业银行个人理财业务管理暂行办法和商业银行个人理财业务风险管理指引，办法和指引G4557商业银行个人理财业务进行了系统的界定和G16280范。200G25年4月1G27日，中国人民银行、中国银监会和国家外汇管理局联合发布了商业银行开办代G4470境外理财业务管理暂行办法，该暂行办法G4557商业银行代居民个人进行境外理财的活动给予了G16280范。G14279此，我国商业银行个人理财业务G7389了G8616G17751清晰的G16280范依G6466和保障。此外，200G25年G25月1G22日，中国银监会发布商业银行开展个人理财业务风险G6564示，要求商业银行要加强风险揭示。从风险G7053面G4557商业银行的个人理财业务进行了G16280范。在监管G7053面，G11013中国银监会负责G4557商业银行的监管。目前，银监会G4557商业银行实行的是G1209风险为本的监管，其G4557商业银行个人理财业务监管的思路是在完善个人理财业务风险管理制度和管理体系的基础G990，实现个人理财业务G256G16280范与发展并G18337、创新与完善并举G257的监管原则。（G989）理财G1147G2709状况1理财G1147G2709G2709牌化和系列化中外G17176银行都G1209G2709牌塑造为主，着力打造具G7389极强延续性和包容性的理财G2709牌见表12。G1209银行外汇G1147G2709为例，目前各家商业银行都已基本形成了G14270G5061的G2709牌G1147G2709系列，如民生银行的G256非凡理财G257G12573，G16780G3822G1147G2709长短期结合，定期推向市场，成为理财市场一大特色。A99A100A102A103A104A105A106A108A109A110A111A112A113A114A115A116A117A118A119A120A121A122A119A120A117A118A119A120A121A122A119A120A123A124A125A126A117A118A127A128A129A130A131A146A132A117A118A133A134A135A136A127A128A123A124A137A132A117A118A129A138A139A140A141A153A142A117A118A143A144A127A128A123A124A145A147A117A118A148A149A150A151A152A153A142A117A118A154A127A128A123A124A117A118A123A117A127A128A156A157A117A118A156A157A127A128A160A158A117A118A160A117A127A128A159A161A117A118A162A163A127A128A164A126A117A118A129A165A166A151A152A153A142A117A118A154A127A1286A167A168A169A203A170A171A172A173A174A175A176A177A178A179A180A181A182A182A183A184A185A185A186A187A188A189A186A190A188A191A192A189A181A191A193A245A188A189A194A190A186A185A195A196A198A199A200A198A201A202A204A204A205A201A206A189A187A181A182A186A229A207A170A209A210A211A212A173A210A211A213A214A215A216A212A173A217A218A219A213A221A174A222A219A213A170A223A212A173A225A226A219A213A227A228A212A173A230A231A182A231A232A190A229A233A234A235A236A237A212A173A239A240A219A213A241A242A212A173A243A244A219A213A248A249A212A173A254A248A219A213A235A251A212A173A252A243A219A213A253A255A203A204A0A1A2A212A173A3A4A5A6A7A213A8A9A10A11A12A13A219A14A152理财G1147G2709G16280G8181G993断增大为了满足市场的需求，取得市场竞争优势，各家商业银行加大了G1147G2709推出的G6980G18339，银行理财G1147G2709G16280G8181大幅增加。在2004年，商业银行在国内市场发行的理财G1147G2709G6980G18339只G738949只，而到200G25年G5225，其发行的理财G1147G2709G6980G18339达到了1042只，在G989年G19400G13775了21G1505（见G328211）。G6142G14279200G26年G22月G5225，银行已发行了2G26G22只理财G1147G2709，与200G25年同G8616增加了G24G27只，增幅G13434为2G26A16。A17A18A19A19A20A21A22A17A20A22A20A22A22A17A22A22A23A22A22A24A22A22A21A22A22A22A21A20A22A22A20A22A22A17A25A20A22A22A19A25A20A22A22A23A25A48A201A189A201A26A27A212A173A219A213A28A29A30A49A61A50A203A51A253A255A203A52A1A2A212A173A3A4A5A206A31A219A213A3A28A29A53A0A54A32A9A10A53A0A55A58A13A219A14A15G22G1147G2709G12879G3423G3822G7691化，期G19492形G5347G3822第一，各家商业银行推出的G1147G2709G7389G3822种G12879G3423，如G3278定G6922G11422G12879、G9026动G3423、结G7512G3423G12573理财G1147G2709。而推出的各种G12879G3423理财G1147G2709G18336G2460G7389G3822种G993同形G5347的G1147G2709，如银行推出的结G7512性理财G1147G2709G4613包括打新G13941、G6358G19069G13941G12092、G6358G19069指G6980、G6358G19069G21656G18341G12573G3822种理财G1147G2709（见表1G22）。A33A34A35A36A37A38A39A40A41A42A43A44A45A46A47A56A57A153A59A180A60A62A63A64A65A66A199A67A153A59A68A85A69A70A71A186A72A73A74A119A75A76A77A78A86A79A80A59A81A82A82A83A75A155A84A73A87A88A149A89A90A91A92A93A94A81A95A96A145A97A98A99A100A101A62A63A189A102A81A82A82A83A103A82A81A103A82A104A94A81A95A96A139A105A238A94A82A105A106A107A80A59A82A83A75A155A94A73A87A108A149A88A90A100A101A109A110A111A112A113A100A101A238A114A115A116A72A67A189A102A81A82A82A83A103A82A81A103A82A117A94A81A95A96A125A103A125A1057A118A120A121A80A59A122A123A124A155A126A100A101A122A62A63A127A205A128A129A130A131A127A205A132A133A134A100A149A135A136A157A137A80A59A87A138A140A141A142A90A91A92A93A73A100A101A62A63A189A102A81A82A82A83A103A82A81A103A82A104A94A143A95A96A144A146A147A148A92A150A80A59A87A151A152A100A101A90A154A87A156A158A159A109A67A90A62A63A189A102A81A82A82A83A103A82A81A103A82A143A94A75A73A94A82A103A104A105A87A151A152A100A101A90A154A87A156A158A126A160A161A162A127A67A90A91A92A93A81A75A73A62A63A189A102A81A82A82A83A103A82A81A103A82A143A81A75A73A81A82A105A144A163A80A59A82A83A82A94A73A87A164A101A90A91A92A93A165A166A156A158A67A117A96A73A100A101A62A63A144A163A81A82A82A83A103A82A81A103A82A143A117A95A96A81A103A104A104A105A238A81A103A83A82A105A167A107A59A87A89A168A100A101A90A82A83A82A81A142A91A92A93A94A81A95A96A97A169A156A158A62A63A167A170A81A82A82A83A103A82A81A103A82A104A94A81A95A96A81A82A105A201A171A203A172A205A120A121A130A131A80A59A122A123A72A173A134A100A149A135第二，各家商业银行G6564供的理财G1147G2709期G19492G1028富，短G142791个月，长G14279G25年期的G2709种都G7389。G1209人民G5077理财G1147G2709为例，短期理财G1147G2709包括1个月期G1427912个个月期的G3822种G1147G2709，中长期理财G1147G2709G738914个月期、1G27个月期、22个月期、24个月期G1047G14279G7380长G25年期的G3822种G1147G2709。如G14667G1860银行的“G7817高理财G257G13666G18156年期结G7512性G4396G8466的期G19492G4613长达6年。第G989，各家商业银行G6564供的G1147G2709G6922G11422G4445G6502G12879G3423G1259G3822，G2499G13466G2010为G7234G17902G2499G13468G8502G3423、G2318G19400累积G3423、G9026动G3423、G16314发G3423、G3278定G3423。4G1147G2709G16786G16757G1209创新为理G5577，趋向G3822G7691化一G7053面，一G1135新的创新理G5577G15999G5224G11004到G1147G2709G16786G16757中。如G9018G1008发展银行推出的G256汇理财G257第G989期G41系列，G4613G17902过G1582G12366G7438制的创新G16786G16757给G4470G6155G5114来了G7368G3822G17885G6333。G2490一G7053面，银行理财新G1147G2709的G16786G16757与市场的变化G4506G2011结合起来。基G1122G13941市G9791G9921，大G3822G6980银行都G6357续G17885G6333G16786G16757推出打新G13941和G6358G19069各G12879G13941G12092的本外G5077理财G1147G2709G727基G1122基G18341G9791G9921，而G16786G16757推出的G11468G1863G1147G2709，如光大银行推出的G41G50G41理财G1147G2709G252G252国内人民G5077基G18341G4465G256同G17206G1128G2507G257G727基G1122商G2709市场的G14403G3921发展前景，G16786G16757推出与G21656G18341、G1904G1147G2709指G6980G11468G1863的G1147G2709，如民生银行推出的G6358G19069G21656G18341和G1904G1147G2709指G6980的理财G1147G2709。G24理财G1147G2709的G2499G17885G6333性增加随着境内外商业银行推出的理财G1147G2709G6980G18339和G12879G3423的增加，G4470G6155G7389了G3822种理财G7053G7708G17885G6333。G1209市场G990的外汇理财G1147G2709为例，其G2499供G17885G6333的G6817G1328G7053G7708越来越G3822（见表14）。A174A175A176A177A178A179A181A182A183A184A185A187A188A190A191A192A193A194A195A194A195A196A197A198A200A202A207A208A209A210A211A212A213A214A215A216A217A218A219A220A221A222A212A213A214A215A220A216A217A223A212A213A224A225A226A227A228A229A216A217A230A231A232A233A234A216A217A235A236A237A239A234A212A213A214A215A216A217A240A241A242A221A222A243A244A245A246A247A216A217A248A249A250A251A252A213A253A254A220A216A217A255A250A251A252A213A110A221A222A0A1A247A253A254A220A216A217A2A252A213A0A1A78A82A247A216A217A16A148A197A200A112A228A0A1A250A251A252A213A216A217A211A198A3A113A243A244A245A246A253A254A220A216A217A114A174A175A176A177A178A179A181A182A183A184A185A187A188A190A191A192A193A198A198A221A222A112A228A247A253A254A220A216A217A198A218A252A213A224A225A226A227A228A229A216A217A198A223A115A4A17A17A86A214A215A28A253A254A220A216A217A198A230A17A86A233A234A231A232A216A217A198A236A115A198A88A5A6A214A215A28A253A254A220A216A217A198A240A115A7A12A8A118A9A219A214A215A28A253A254A220A216A217A198A248A38A192A120A10A86A77A122A63A123A11A106A77A124A186A13A14A15A194A195A198A255A72A18A247A126A184A14A15A194A195A198A2A45A127A247A126A184A14A15A194A195A218A3A82A128A247A126A184A14A15A194A195A201A19A203A159A12A14A15A20A21A129A28A130A218A3A3A240A155A22A131A155A14A15A23A24A25A26A27A132A249A133A134二、我国商业银行个人理财业务存在的主要问题分析（一）内G18108G19394G20076我国商业银行个人理财业务G17829几年来取得了G17751大的发展，G1306总体G16280G8181G17836G4579，在银行业务中G6164G2356G8616G18337G17836G993高。造成G17837种现G16949的主要G19394G20076在G1122G1147G2709创新能力G993足，G993能G6365G10043G4470G6155要求G6564供理财G1147G2709。而G1147G2709创新能力G993足，G2460与商业银行风险G6523制能力G5381、人G6177G13582G1059和市场G12586G11065G9394后G12573G19394G20076G4506G2011G11468G1863。下面G4613G11468G1863G19394G20076展开具体G2010G7524。1G1147G2709G13582G1059创新，业务G4630次G1314G17829年来，各家银行都G13451G13451推出个人理财G2709牌，发行了G3822种个人理财G1147G2709。G1306G1147G2709G2163能依G9994G8616G17751G2345一，G13582G1059G9157度G6378G6508G727G1147G2709之G19400界G19492G2010G7138，G13582G1059G11468G1126联系，从而G4560G14280G1147G2709之G19400G13582G1059G7389G7438G6984合，G6984体竞争力G993G3827。它G1216的业务范G3272G7368G3822的是G6238现G7389的业务进行G18337新G6984合，没G7389G19036G4557G4470G6155的需要进行个性化G16786G16757，没G7389个性化G7393务。G11013G1122G18341G15713G1147G2709的G7143G8181G1235性，造成各银行在个人理财G1147G2709的开发G990G4396在的G256同G17148化G257G19394G20076G1017G18337，G11468G1126G8181G1235的G17751G3822，G4557G1147G2709的创新和G9157G4630次G6378G6508G993足。各种理财G1147G2709是G256G1332G7053G2821G13622我G11343场G257，G5468G19602形成竞争优势。而G17837种G6940G1235的结G7536G5529G4570A29G4560G14280G18341G15713业务G5191G2500的G18337G3809建G16786，形成商业银行之G19400的趋同竞争，G7380G13468造成G18341G15713G1147G2709G17805G19481G6922G11422G10587G19489G1314，银行创新G1147G2709G993能得到G5468G3921的保G6264。而G1000G11013G1122政G12586的G19492制，银行G993能G9053足证券、保险、基G18341、信托G20058G3507，G3252此G1147G2709创新的范G3272G10433G12376。G2490外，目前银行的业务G4630次G1314，个人理财G7393务G17836只是G1584G11053在为G4470G6155G16786G16757理财G7053G7708，接受个人咨询，G6564供信G5699G17176料，给G4470G6155G6564供理财建议。银行推出的理财G1147G2709都是标准化G1147G2709，没G7389根G6466G4470G6155的需要来G16786G16757G1147G2709。2银行G6523制理财风险能力G17751G5381，G5468G3822业务G4396在G17751大的潜在风险理财业务的综合性决定了理财业务G9053G2462G1147G2709和G1144G7143的G3822个G4630面，隐藏着G3822种形G5347的潜在风险，如市场风险、流动性风险、汇G10587风险、G2045G10587风险、道德风险G12573。首先，风险贯穿在银行个人理财业务经营的G1852过程。发达国家银行业个人理财业务的G1314风险是建立在完善的风险管理和成熟的外G18108经营环境基础之G990的，而我国银行业的风险管理体系G17836G993健G1852，银行经营的内外G18108环境也G7389待完善G727其次，G11013G1122个人理财业务是我国银行业的一项新业务，G4557风险G13582G1059G7389G6940的识别和监测措施，银行为了抢G2356市场优势G3332G1313，往往G7368注G18337业务的扩张，而忽视风险管理。各银行都在G6922G11422G10587G990G1582文章吸引G4470G6155，运营成本与G6922G11422之G19400的矛盾日G11422突出。G2490外，我国的银行业一G14336G6238个人理财业务划G2010在中G19400业务范畴，从而首先撇开了其G17176G1147损失的风险，甚G14279认为它是无风险的业务，G13582G1059一G1135G5224G7389的风险防范G16278G5577和措施。G22G999业理财人G6177G13582G1059个人理财业务是一项高知识、高技术含G18339的G999业化综合性G18341G15713G7393务，为G4470G6155G6564供的是G1852G7053G1313的个人G18341G15713G7393务。从业人G2604G5529须具G3803G999业知识、G7393务意识、G6817G1328技巧，G1209G2462G4557市场变化的洞察力和敏感度，同时G17836要G7389过硬的道德G2709G17148和G14403G3921的个人信G11004。G1306目前现实是，我国商业银行理财人G2604G999业G2345一，G3809合G3423人G6177偏G4581，G4557现G7389G18341G15713G1147G2709认识G993足，往往只熟悉G14270G5061的G20058G3507，G993熟悉怎么G6238跨越各G20058G3507的G993同G18341G15713G1147G2709组合到一起。G11468当一G18108G2010理财人G2604并G993具G3803债券、G13941G12092、保险、房G1147、基G18341G12573综合知识和为G4470G6155G6564供理财G7053G7708的能力。G4557宏G16278经济政G12586掌握G4581，G4557微G16278经济G2010G7524能力G993强，市场营销意识和技能与市场需求G17836G7389G17751大差距。4市场G12586G11065G993当目前我国商业银行个人理财业务的G7393务G4557G16949标准过G1122G2345一，纯粹G1209G4470G6155G4396G8466G18341额为G19492，G1000G19388槛G7234遍偏高，符合G4470G6155实G19481需求的理财G7393务G11468G4557G993足。同时，个人理财G7393务基本G990是G1209销售银行内G18108G18341G15713G1147G2709和代理G1147G2709为主，并没G7389根G6466G4470G6155需求进行G19036G4557性营销，G6564供的个人理财G16280划建议G2345一，理财G7053G7708差别化G7393务G993足。从商业银行内G18108而言，其G4557市场的营销没G7389形成G6984体合力，市场营销G16278G5577G9394后。G4557个人理财业务市场的营销G13582G1059G6984体G12586G11065G16280划，往往形成G256G2345兵G1328战G257的局面，个人理财业务G1147G2709G2345一、科技含G18339G2462附加值G1314，G4557G4470G6155G13582G1059吸引力。市场营销G16278G5577G9394后，G13582G1059主动出击创造市场的意识，突出表现为市场开拓意识G993强，仍习惯G1122坐在办G1856G4472G12573G4470G990G19388G727营销G6175段落后，A30A31G1584G11053在一G14336竞争G6175段G990。从商业银行外G18108来看，其竞争基本G990G17836是G1314档次的竞争，业务范G3272、业务G6817G1328程G5347、G7393务G7053G5347G12573基本趋同，亦步亦趋是大G3822G6980银行的G17902病。G4557广大消费者而言，每一G12879的G18341G15713G2709牌除G2529称G993同外，G1147G2709和G7393务的内容和G2163能几乎大同G4579异，G256克隆G257现G16949十G2010G7138显。（二）外G18108障碍G990文从银行内G18108微G16278角度探讨了银行个人理财业务G4396在的主要G19394G20076和原G3252，下面G4570从银行外G18108宏G16278G4630面G2010G7524银行开展个人理财业务G2462进行业务创新面临的主要障碍。1G2010业经营G18341G15713体制的制G13434目前，受G2010业经营G18341G15713体制的G19492制，商业银行无法根G6466G4470G6155要求G4557个人G17176G1147进行G1852权管理，G6564供的理财G1147G2709同G17148化G1017G18337，没G7389根G6466G4470G6155要求G6564供个性化理财G1147G2709。而在一G1135实施混业经营的国家，银行G2499G1209G15713证券、保险G12573各种G18341G15713G7438G7512G1122一体，G2499G1209为G4470G6155G6564供个性化的理财G1147G2709和G256一站G5347G257G7393务。只要G4470G6155G6238钱G1144给银行，G4613G2499G1209省G5527G3332实现G17176G1147的保值和增值，G17837G7691的个人理财G7393务G6177是真正到G1313的。G3252此目前国内银行G6564供的理财G7393务并G993能算真正意义G990的个人理财G7393务。银行G6564供的个人理财G7393务G1209本行业的业务为主，使G4470G6155G17176G18341只能在各G14