鲁达 经济学专业毕业论文关于个人公司理财方向怎么写？
摘 要： 近年来，我国社会经济的增长速度较快，居民的人均收入水平也在持续上升，越来越多的人将眼光投向了理财业务。在这市场环境中，商业银行个人理解业务的发展速度不断加快，理财产品的种类也在不断地增加。但是，我国商业银行在不断开发个人理财业务的同时，也存在着一定的风险，这些风险问题，有的是来自商业银行自身，需要商业银行不断提高自身的业务水平，规避可能发生的风险，及时解决已经出现的风险问题。本文首先对商业银行个人理财业务的特点进行探索，进一步提出商业银行个人业务经营中存在的风险问题，并分析解决风险的相应对策。
关键词 : 商业银行,个人理财:业务风险，
从当前金融行业发展现状来看，当前个人理财业务的发展较为多元化。一般来说，商业银行不仅涵盖了国有商业银行，还涵盖了股份制商业银行。除了银行机构之外，近几年迅速发展起来的互联网金融企业也在逐渐渗透个人理财业务，成为了用户开展个人理财业务的选择主体之一。如主流互联网金融平台财付通、余额宝等。这些互联网金融平台的出现使得个人理财业务的运营成本大大降低，并且这些平台在风险控制方面的投入成本也是非常低的。为了能够获得更高的收益，将大量的资金从银行中取出，这对商业银行的经营发展而言是非常不利的。
1. 我国商业银行的个人理财业务特点
1.1、 业务对象特定化
个人理财业务所针对的特定目标个人或目标群体，且对象不拥有标准化与大众化的相关特点。即为个人理财业务的对象为不以客户类型、资金规模等条件对客户进行筛选，能够为所有客户提供一致的标准化理财产品，这种类型的产品具有普遍性的特征，并且任何人都可以购入理财产品。然而商业银行在实际经营中会按照理财业务的内容、银行实际情况、经营管理现状等因素来对客户的个人理财业务进行设计与规划。将一些资源比较有限并且具有较大市场发展空间和收益率的理财产品推荐给优质客户。由此可以看出，商业银行的个人理财业务准入门槛是比较高的，比如，有的理财业务需要客户的存款达到一定标准才能购入，商业银行的不同理财产品会制定一系列客户筛选规则，而这也表明银行个人理财业务的服务是具有特定化特点的。
Abstract: in recent years, China's social and economic growth rate is fast, and the per capita income level of residents is also rising. More and more people focus on financial management business. In this market environment, the development of personal understanding business of commercial banks is accelerating, and the types of financial products are also increasing. However, while developing personal financial services, China's commercial banks also have certain risks. Some of these risk problems come from the commercial banks themselves. Commercial banks need to continuously improve their business level, avoid possible risks and solve the existing risk problems in time. Firstly, this paper explores the characteristics of personal financial business of commercial banks, further puts forward the risk problems existing in personal business operation of commercial banks, and analyzes the corresponding countermeasures to solve the risk.
Key words: Commercial Bank, personal finance: business risk,
From the current development status of the financial industry, the current development of personal financial services is more diversified. Generally speaking, commercial banks cover not only state-owned commercial banks, but also joint-stock commercial banks. In addition to banking institutions, Internet financial enterprises, which have developed rapidly in recent years, are also gradually infiltrating personal financial services and have become one of the choice subjects for users to carry out personal financial services. Such as TenPay, Yuebao, etc., the mainstream Internet Financial platforms. The emergence of these internet financial platforms has greatly reduced the operating cost of personal financial services, and the investment cost of these platforms in risk control is also very low. In order to obtain higher income, a large number of funds are withdrawn from the bank, which is very unfavorable to the operation and development of commercial banks.
1. Characteristics of personal finance business of commercial banks in China
1.1. Business object specialization
Personal finance business is aimed at specific target individuals or target groups, and the object does not have the relevant characteristics of standardization and popularization. That is, the object of personal financial business is not to screen customers based on customer type, capital scale and other conditions, and can provide consistent standardized financial products for all customers. This type of products have the characteristics of universality, and anyone can buy financial products. However, in the actual operation, commercial banks will design and plan customers' personal financial business according to the content of financial business, the actual situation of the bank, the current situation of operation and management and other factors. Recommend some financial products with limited resources and large market development space and yield to high-quality customers. It can be seen that the access threshold of personal financial services of commercial banks is relatively high. For example, some financial services need customers' deposits to meet certain standards before they can be purchased. Different financial products of commercial banks will formulate a series of customer screening rules, which also shows that the services of personal financial services of banks have specific