北京师范大学珠海分校本科生毕业论文
论文题目商业银行个人理财产品市场竞争分析
学院国际商学部
专业国际金融
学号 1120100330
学生姓名赵一泽
指导教师姓名王立新
指导教师单位北师大珠海分校国际商学部
年月日
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商业银行个人理财产品市场竞争分析
摘要
作为兼具金融服务与商业盈利双重职能的重要机构，商业银行在经济市场和社会环境中发挥的作用、功能和价值自然是无可忽视的。如今不论是国有商业银行，还是股份制的商业银行，均在个人理财产品方面的发展中开启了步伐，并且在商业金融行业中的作用和价值也是越发明显。商业银行存在着盈利与服务的双重社会功能，在充分负责稳定商业市场与金融市场的同时，还要积极促进自身机制的提高与完善。然而，随着商业银行理财产品的增多，导致理财产品市场竞争日益激烈，本文针对当前竞争激烈的市场进行研究和分析，提出优化理财产品市场竞争的策略，从而确保我国的商业银行个人理财产品在公平的市场下竞争。
关键词：商业银行；个人理财产品；市场竞争；分析
COMMERCIALl BANK PERSONAL FINANCE PRODUCT MARKET
COMPETITION ANALYSIS
ABSTRACT
As with double functions on financial services and commercial profit important institutions, commercial Banks in the market economy and the social environment plays the role of the nature, function and value is ignored, in the process of the construction of the socialist market economy, the important status. Now whether state-owned commercial bank or joint stock commercial Banks, both in the development of personal finance products opens the pace, and in the role of the financial industry, business and value is also increasingly clear. Commercial bank profit and service exist dual social function, the fully responsible for the stability of commercial market and financial market at the same time, also actively promotes own mechanisms to improve and perfect, so to improve its profitability and provide wider and more convenient service for the customer's reasonable purpose. Among them, the development of personal finance business is in the ascendant in China's financial market, with relatively broad prospects and wireless mining value, and can achieve positive and provide service for public. Based on the domestic market competition status of commercial Banks' personal financial management products for specific research and analysis of the object, emphatically research products lead market to develop in the competition of important link, and try to summarize from different factors in the process of analysis, and provide necessary for personal finance products in the process of the development of the theory is suggested.
Key words: commercial banks; personal finance products. competition in the market; analysis
