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1、-毕业论文(设计)论文题目:工商银行个人理财业务及产品的发展现状、问题及对策学生姓名:学号:专业:班级:指导教师:---完成日期:年月日---工商银行个人理财业务及产品的发展现状、问题及对策摘要随着我国社会经济的快速发展,居民生活水平不断提高,个人可支配收入迅速增长。在个人财富不断积累的同时,人们开始更多地关注自身的财务状况,客观上产生了个人理财需求,进而催生了工商银行的个人理财业务。工商银行作为国内最早推出个人理财业务的工商银行之一,已经初步形成了具有一定影响力的个人理财业务品牌。个人理财业务最早出现在瑞士,之后在美国、欧洲以及亚洲的日本、香港等经济发达国家和地区获得了
2、迅速的推广,现已成为世界各大银行的一项主要业务。在巨大的市场需求和机遇面前,包括银行在内的各种金融机构纷纷挖掘自身潜力和优势,加大科技投入,建立个人理财平台,积极抢占个人理财市场,使个人理财的市场竞争日趋激烈。本文针对我国工商银行个人理财现状,对比发达国家和地区发展概况,陈述我国存在的问题,找出其制约因素,最后提出问题的解决措施,探讨我国工商银行应该如何开展个人理财业务。关键词:工商银行;现状;问题;策略---AbstractAlongwiththerapiddevelopmentofsocialeconomyinourcountry,thecontinuousimpro
3、vementoflivingstandards,personaldisposableincomeisgrowingrapidly.Inpersonalwealthaccumulatedatthesametime,peoplebegantopaymoreattentiontoitsfinancialsituation,objectivelyproducedpersonalfinancialneeds,andexpeditestheemergenceoftheindustrialandCommercialBankofthepersonalfinancialmanagement
4、business,industrialandCommercialBankofChinaasthefirsttolaunchoneoftheindustrialandCommercialBankofpersonalfinancialservices,hasbeeninitiallyformedwithacertaininfluenceofpersonalfinancialservices---brand.PersonalfinancialbusinessthefirstappearedinSwitzerland.AfterintheUnitedStates,European
5、dAsia,Japan,HongKong,andothereconomicallydevelopedcountriesandregionswontherapidpromotion,isnowBecomeoneofthemainbusinessofthelargebanksallovertheworld.Infrontofthehugemarketdemandandopportunities,includingbanks,financialinstitutionshavetodigitspotentialandadvantages,increaseinvestmentins
6、cienceandtechnology,---establishpersonalfinanceplatform,activelyseizethepersonalfinancemarket,sothatpersonalfinancialmarketcompetitionbecomesincreasinglyfierce.Inthispaper,accordingtotheChinaIndustrialandcommercialbankpersonalfinancialsituation,comparedwiththedevelopedcountriesandregionsi
7、nthedevelopmentofthesituation,statingtheproblemsexistinginourcountry,findouttherestrictionfactors,finallyputsforwardthemeasurestosolvetheproblem,toindustrialandCommercialBankofChinashouldbehowtodevelopthepersonalfinancialmanagementbusiness.Keywords:IndustrialandComm