商业银行个人理财发展策略及产品设计探讨

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1、西南交通大学硕士学位论文商业银行个人理财发展策略及产品设计探讨姓名：张茂申请学位级别：硕士专业：工商管理指导教师：张炜20071001西南交通大学硕士研究生学位论文第1I页AbstractWiththedevelopmentoftheeconomyandtheadvancementofsocietyinchinasmcom豁oftheurbanandmralresidentsimproveunce舔inmy，theattitudetopersOnalproperty、conceptandtreatmentwayhaschangedal

2、otcomparingwiththepast，therealizingofmoneymanagementisgrowingfast，confrontedwithmacroscopicandmicrocosmicfetter,liketurbidmergeingcontrol，employeequalityproblemetc，theindividualmoneymanagementofoardomesticcommercialbanksisstillinthejuniorstageatpresent，howtoseekthebasis

3、ofkeepingafootholdinthecut—throatcompetitivemarketplaceofdomesticandforeigncommercialbanksisthecrucialproblemthatneeddomesticcommercialbankstothinkaboutinstantly．Myarticleconsiderthat,commercialbanksworkasthecorebranchoffinancingfield，reformanddevelopmusttakecareofthelo

4、ng-ta衄goal．SOWeneedtomakeefforttoanalysethedemandchara硎stspecificallyfortargetcustomergroup，developthenewtrails·centuWmodel，energetically，hardentheindividualserviceofmoneymanagement，SOtacticsresearchandproductinnovationofmoneymanagementappearsimportant．Andthenthemainbod

5、yofthearticleanalysedthecurrentsituationofindividualmanagingmoneymarketplacecontrastondomesticandforeignplace，analyzedtheproblemofdomesticmoneymanagementmarketplace，andthesolvingway，thentied、撕ththeeverbrightbankchengdubranch’Sactualsituation,comparedthecurrentsituationo

6、fmoneymanagementproductinnovationbetweenchinaandabroad,thenstudycdtheprincipleofsomekindsofinnovationproductscreatedbytheeverbrightbankchengdubranch，Ibringoutmyownideaofinnovativeproductdesignandserviceartifice．AtlastIuse西南交通大学硕士研究生学位论文第1II页theactualcaseofmoneymanagemen

7、tcombinationtoexplaintheimportanceofproductdesigninnovation．。Keywords：Commercialbank,individualmoneymanagement，moneymanagementproducts，moneymanagementcombination西南交通大学学位论文版权使用授权书本学位论文作者完全了解学校有关保留、使用学位论文的规定，同意学校保留并向国家有关部门或机构送交论文的复印件和电子版，允许论文被查阅和借阅。本人授权西南交通大学可以将本论文的全部或部分内

8、容编入有关数据库进行检索，可以采用影印、缩印或扫描等复印手段保存和汇编本学位论文。本学位论文属于1．保密口，在年解密后适用本授权书；2．不保密团，使用本授权书。(请在以上方框内打“√”)指导老师签名：日期：b。7．阢7∽