商业银行个人理财业务现状与发展策略研究
MiNNieCooLgirL
2024-09-27 21:34:27
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商业银行个人理财业务现状与发展策略研究近年来,由于国民收入水平的不断提高,闲置资金增多,人们的个人理财意识开始逐步加强。在利润空间缩小、对公业务乏力、风险加剧、同业竞争激烈以及融资的压力下,个人理财业务已经成为我国商业银行新的利润增长点,越来越为各商业银行所重视。本文主要分析了在商业银行理财业务的发展中所遇到的问题,并且对商业银行理财业务的可持续发展提出建议。关键词:商业银行个人理财发展对策in recent years, the national level,idle funds continues to increase awareness of personal finance began gradually tightened. in the profits, and space**usiness, r**ks, there ** 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. th** 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;countermeasures个人理财业务,又称财富管理业务,是目前发达**商业银行利润的重要来源之一。国际上成熟的理财服务是指:银行利用掌握的**与金融产品,分析客户自身财务状况,通过了解和发掘客户需求,制定 20210311