我国商业银行个人金融业务创新策略研究摘要_商业银行金融创新探究

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山东理工大学毕业论文

摘要

在中国政府加入WTO时承诺，到2006年底银行业将全面开放。四年过去了，我国商业银行已经与国外商业银行展开了全面的竞争，在这样一个新的背景下，我国商业银行全面发展个人金融业务具有重要战略意义。一方面是我国城乡居民个人金融资产的增长，对商业银行提供保值增值业务的内在要求，另一方面是银行业提升自身竞争力、维护国家金融稳定的客观要求。

本文比较系统的阐述了发展个人金融业务理论和方法;提出了从宏观体制改革到微观主体的行为的一些建议;讨论了我国商业银行在国内个人金融资产不断增长的现实条件下，发展个人金融业务的可行性;运用比较分析法，论证了我国商业银行现有个人金融业务品种较少，技术含量较低，所以具有很大的发展空间;定量分析了个人金融业务及其创新业务与银行竞争力之间的相关关系;并从战略的高度出发，对如何处理银行业之间的合作与竞争给出了建议。

关键词:个人金融业务；商业银行竞争力；金融创新

Abstract

China joined the WTO in time commitment to the banking sector will be fully liberalized by the end of 2006.Four years on, China's commercial banks and foreign commercial banks have already launched a full competition, in the context of a new, comprehensive development of China's commercial banks, personal financial busine of strategic importance.The one hand, urban and rural residents in China's growth in personal financial aets, increasing the value of commercial banks within the busine requirements, on the other hand the banking sector to enhance their competitivene, safeguard financial stability in the objective requirements.This paper described the development of more systematic theory and method of personal financial services;proposed system from the macroscopic to the microscopic behavior of some of the main recommendations;discued the domestic Chinese commercial banks in the growing personal financial aets, the reality of conditions, the development of personal financial services feasibility;using comparative analysis, demonstration of Chinese commercial banks le variety of existing personal financial services, low-tech, and therefore have a huge space for development;quantitative analysis of the personal financial services and innovative busine competitive with banks relationship between;and from a strategic viewpoint, on how to deal with the banking industry cooperation and competition between the recommendations given.Key words: personal financial services；commercial banks competitive；financial Innovation

摘要.............I ABSTRACT................II 目录............Ⅲ

一、个人金融业务的理论基础及发展..............1

（一）个人金融业务的概念及内涵............1

1．个人金融业务的概念..............1

2．个人金融业务的内涵及特点........1

（二）个人金融业务的理论发展..............2

二、国内外个人金融业务的比较分析..............3

（一）我国个人金融资产和个人金融业务研究.........3

1．金融资产的内涵与外延............3

2．我国个人金融资产与个人金融业务的变迁..........3

3．我国商业银行的个人金融业务的现状.......4

（二）国内外个人金融业务的比较............5