个人理财业务分析——以中国建设银行为例内容摘要最近几年以来，中国经济连续保持快速稳健的发展态势，居民收入有了较快的增长，居民的金融意识也在不断的增强，我国的各大银行也纷纷推出了理财业务，在全国范围内也掀起了一阵理财热潮，国内的发展个人理财业务被越来越多的人所看好，虽然还处于刚刚开始的阶段，但是具有巨大的发展生命力。本文主要以中国建设银行个人理财业务为例，从组织结构分析、产品和服务、采用的模式和建立的流程等方面，揭示中国建设银行现阶段在个人理财业务方面存在的问题。原因在于，财务管理组织结构中的前端业务分割没有与后台集成、“封闭式”财务管理模式使财富管理产品的需求和供给不一致、没有过于完整的财富管理产品的风险梯度，没有与财富管理业务的规模小、品种少、层次低等理财产品特点相结合等等。在此基础上，提出了相应的解决方案，如在财务管理组织结构中建立改革机制，加强自主创新和资助研发能力，提高产品设计机制和丰富产品种类，形成商业模式的“开放”转型;，制定多种营销形式的理财市场，并指明了建行的个人理财业务的发展方向。关键词：个人理财，业务问题，中国建设银行IAbstractPersonal wealth management business has been slowly optimistic in the domestic development in recent years. Although it is still in its infancy, it has tremendous development vitality. This paper mainly takes China Construction Bank's personal wealth management business as an example. From the aspects of organizational structure analysis, products and services, adoption models and established processes, it reveals the problems existing in China's CCB in personal wealth management business. The reason is that the front-end business segmentation in the financial management organizational structure is not integrated with the background, the “closed” financial management model makes the demand and supply of wealth management products inconsistent, the risk gradient of wealth management products is incomplete, and there is no rain wealth management business. Features are combined and so on. On this...
