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1、中国农业大学硕士学位论文工商银行个人理财业务发展研究一以江苏徐州为例姓名：康卫华申请学位级别：硕士专业：公共管理导教师：郭沛20070601Abstractfinancingoperationisthefundamentalprofitincreasingpointandthecommercialbanks.Whileithasbroughtforthcommercialbanks,personalfinancingoperationhasenjoyedasatisfactorydevelopmentitselfandhasbecomethestrategi
2、cfactOTforinternationalintegratedccmimercialbanks.WiththeexpansionofChina'scapitalmmtetandthemarketingprogressofinterestrate,thepayoffroomofindustrialandcommercialbanks'traditionaloperationisgraduallydwindling;atthesametime，thediversificationofcustomer'sdemandsandthefiercecompetiti
3、oninbankfieldhaveputforwardhigherrequestforthemanagerialsinindustrialandcommercialbanksandnaturally,personalfinancingoperationisbecomingthemainfactoroforiginalityandthekeypointforincreasingprofitforindustrialandcommercialbanks.Unfortunately,duetothelagofpolicy,realisticplightandthe
4、managerialproblems,personalfinancingservicesprovidedbyindustrialandcommercialbanksarefarlesssatisfactorythanitswesterncounterpartsfromservicescaletoservicecontentInfact,China'spersonalfinancingoperationisstiUexperiencingitsinfantstage-Therefore,howtowinoverhighgradecustomer,takepos
5、sessionofcustomermarket,realizemaximalprofitandimprovethecorecompetencyofindustrialandcommercialbanksarecrucialforbanks'survival.Thispaperhasanalysedfactorsrestrictingpersonalfinancingoperationwiththehelpofrelativefinancialtheoryandpersonalfinancingpractice;ithasofferedthemainoutli
6、ne,methodsandtacticsinimprovingpersonalfinancingoperationforindustrialandcommercialbanksthroughthereferenceofforeignbanks'experience;intheend,ithasdisplayedarealcaseinindustrialandcommercialbankforpresentationinordertofurtherunderstandtheconnotationofpersonalfinancingoperation,whic
7、hcanaffectivelyguideouractualwork..Keywords:industrialandcommercialbank,personalfinancingoperation,integratedmarketing,productinnovation.独创性声明本人声明所呈交的论文是我个人在导师指导下进行的研究工作及取得的研究成果《尽我所知，除了文中特别加以标注和致谢的地方外，论文中不包含其他人已经发表或撰写过的研究成果，也不包含为获得中国农业大学或其它教育机构的学位或证书而使用过的材料•与我一同工作的同志对本研究所做的任何贡献均已在论
8、文中作了明确的说明并表示了谢意研究生签名:$时间：二
