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ID:33009160
大小:2.40 MB
页数:49页
时间:2019-02-19
《我国商业银行个人理财业务发展分析——基于spss的成都市居民理财需求实证分析》由会员上传分享,免费在线阅读,更多相关内容在行业资料-天天文库。
1、Abstract1nhepersonalfinancingbusinessistheprocessthatthecommercialbankhelpsitscustomertorealizehisgoalbyutilizinghisownfinancial北sourc&Thecommercialbanksanalyzethecustomer’Sfinancialdatasuchasincome,expenditure,assets,debt,insurance,cashflow,andassetsvalue,considerthecustomer’Svarious
2、kindsoffinancialgoalssynthetically,andcarryonthetestofcustomer'sriskpartialityandadjustmentofinvestmentcombinationinordertohelpthecustomermakeindividualizedfinancingplan,recommendthefinancialproductandprovidefinancemanagementreport.Inthewesterncountries,thepersonalfinancingbusinesshas
3、steadilyoccupiedtheimportantpositioninthebusinessdevelopmentofcommercialbanks,characteredbythelargeamount,lowrisk,widebusinessscope,andsteadyprofits.11hepersonalfinancingbusinessappearedinSwitzerlandfirst,laterhadgotfastpopularizationindevelopedcountriesandregionssuch瓠U.S.八,EuropeandJ
4、apan,HongKongofAsia.Ithasbecomemainbusinesslinesofeverylargebankoftheworldnow.Nowadays,thedevelopmentOflarge—sc.粗ecommercialbanksdependsonthecorporatebusinessandtheprivateserviceinsteadofdependingprimarilyonthecorporatebusinessbefore.nepersonalfinancingbusinesshasbecometheimportantcha
5、nnelofmakingprofits.Foralongtime,commercialbanksinChinaarebasedprimarily011depositandloanbusiness,andinterestincomeaccountsformorethan90%ofrevenue.However,therealealotofdifficultiesifthecommercialbankswanttomaintainthestatus.First,thefinancialmarketsinChinahaveestablishedthedirectiono
6、fmarketinterestrates,SOthespreadsOfdepositandloanbusinesscontinuetonarrow.Second,thecapitalmarketinChinadevelopesrapidly,includingstocks,corporatebonds,couponsandothershort·termfinancingchannels,whichmakeslTheStudyOnPersonalFinancialBusinessinChina’SCommercialBanksthecreditintermediar
7、7functionofthebankweak·Inaddition,theincreaseinnumbersandtypesofinvestmentproductsincapitalmarket,fundsmarketandinsurancemarkethasadirectimpactonthedepositbusinessofthecommercialbanks,resultinginincreasedfinancialdisintermediationphenomenon.Atthesametime,foreignbanksentertheChinesefin
8、ancia
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