中外商业银行理财业务比较分析

本 科 毕 业 论 文中外商业银行理财业务比较分析姓 名 学 院 专 业 指导教师 完成日期 XX 理工大学全日制本科生毕业设计（论文）承诺书本人郑重承诺：所呈交的毕业设计（论文） 是在导师的指导下，严格按照学校和学院的有关规定由本人独立完成。文中所引用的观点和参考资料均已标注并加以注释。论文研究过程中不存在抄袭他人研究成果和伪造相关数据等行为。如若出现任何侵犯他人知识产权等问题，本人愿意承担相关法律责任。承诺人（签名）：日 期：中外商业银行理财业务比较分析摘 要银行理财业务是指理财师通过收集整理客户的收入、资产、负债等数据，倾听客户的希望、要求、目标等，为客户制定投资组合、储蓄计划、保险投资对策、继承及经营策略等财务设计方案，并帮助客户的资金最大限度地增值。随着中国经济的发展和综合国力不断增加，在监管部门引导和大力帮助下，中国理财市场发生很大的变化，银行理财业务也受到新闻媒体和投资者广泛关注，银行理财产品层出不穷，理财市场空前的繁荣。为引导投资者树立健康、正确的投资理念，进一步推动银行理财市场的长远发展，需要对商业银行理财业务进行深入的研究。居民可支配收入大幅度增加，个人理财意识也在觉醒和增强，这为发展银行个人理财业务提供了基础；经济的发展和金融业的对外开放使得企业对金融服务的需求也发生了明显的变化，客户需要的是非标准化的综合性需求和一揽子金融服务。要满足对公客户的金融需求，商业银行必须加快对公理财业务的发展。银行理财业务是现在发达国家商业银行利润的一个重要来源，在商业银行的发展中起着战略性作用。然而我国商业银行理财业务的发展还未成熟，外资银行在理财业务方面具有悠久而丰富的经验，与其相比我国确实在一些方面客观存在一些比较大的差距。因此，如何运用商业银行理财业务的相关理论同时结合我国的国情，找到适合我国商业银行理财业务创新和发展的途径，是一个非常重要的课题。本文立足于国内外商业银行理财业务的现状，结合国内外的理论与实践经验，探讨国内商业银行理财业务的发展情况，分析目前国内理财业务存在的问题，通过比较国内外商业银行理财业务发展的思路，方法和手段的不同，找到国内商业银行在理财业务发展上的差距，并提出一些建议。本文由五个部分组成：第一部分，介绍银行理财业务的发展背景。第二部分，通过回顾国内商业银行理财业务的发展历程，剖析国内商业银行理财业务的发展现状和存在问题，为国内外商业银行理财业务的对比分析进行铺垫。第三部分，通过介绍国外商业银行理财业务产生背景、发展历程，以及当前有代表性的国外理财业务市场下理财业务的运作模式和发展格局，使我们对成熟的银行理财业务有更深刻的认识，也对认清我国商业银行理财业务的现状和存在问题提供了参考标准。第四部分，通过国内外商业银行理财业务的对比分析，形成对我国商业银行理财业务发展过程中所存在问题的认识，得到启示。第五部分，在对国内外商业银行理财业务发展问题的研究基础上，得出结论并提出一些推动我国商业银行理财业务建设的建议。第六部分，提出未来商业银行理财业务发展的展望。关键词：商业银行 个人理财 中外比较COMPARATIVE ANALYSIS OF CHINESE AND FOREIGN COMMERCIAL BANKS FINANCIAL SERVICESABSTRACTBanking financial services is defined as financial planner collected the customers income, assets, liabilities and other data, listened the hope and demands of customers, to develop a portfolio, savings plans, insurance and investment measures, inheritance and other financial strategies for customers, help them maximize the value.With Chinas economic development and overall national strength increased, in the regulatory guidance and strong help, chinese financial market has undergone great changes, bank financial business has also been widespread concern in the news media and investors, many financial products launched, financial markets unprecedented prosperity. To guide investors to establish a healthy and correct investment philosophy, further promote the long-term development of bank financial markets, we need conduct depth study of wealth management business of commercial banks. A substantial increase in household disposable income, personal finance is also awakening of consciousness and enhancements, it is provide a basis for the development of banks; Economic development and the opening up of the financial sector so that the demand for financial services companies has also undergone a significant change, what the customers need is non-standardized comprehensive needs and package of financial services, To meet the financial needs of corporate customers, commercial banks must accelerate the development of corporate wealth management services.Nowadays, banking Financial Services is an important source of profit of the commercial banks in developed countries, plays a strategic role in the development of commercial banks. However, Chinas commercial banks finance business development is not yet ripe, foreign banks in the wealth management business has a long and rich experience, compared with foreign commercial banks, there are some relatively large gap in some respects. Therefore, it is a very important topic that how to use related theory of commercial bank financing business and combined with Chinas national conditions to find a innovation and development approaches.This article is based on the status of banking financial services of domestic and foreign commercial banks, combining theory and practical experience at home and abroad to explore the development of domestic commercial banking financial business development, analysis the current domestic problems of banking financial services, our aim is to find the gaps in the banking financial planning business development of domestic commercial banks and propose some ideas by comparing the different in idea, methods and means of domestic and foreign commercial banks in financial services, This paper consists of five parts: The first part, describes the background of banking financial services. The second part, review the development process of banking financial services of the domestic commercial banks, analysis the status and problems of domestic commercial banks financial business and pave the way for the following analyze differences in banking financial services. The third part, introduce the background and development process of foreign commercial bank financial services, and the current representative of the foreign financial services market under the financial operation of the business model and development pattern, it is not only allows us have a more profound understanding of the mature banking financial services, but also provides a reference standard to understand the business of commercial banking financial situation and problems. The fourth part, by comparative analysis of business development in the field of banking financial business of domestic and foreign commercial banks, get the awareness of the problem in domestic commercial banks financial business development process and obtain inspiration. The fifth part, based on the study of development issues of the domestic commercial banks in the banking f