题目陕西省农村信用社个人金融业务的发展策略研究摘要目前我国经济运行所处“三期叠加”的大背景，完善金融体系、发展个人金融业务刻不容缓。且传统类批发业务获利空间降低，个人业务以风险分散、收入稳定等特点成为国内商业银行信新利润增长点。本文以陕西省农村信用社为研究对象，利用案例研究法针对信用社现有个人金融业务发展状况进行现状总结和原因归纳，在剖析现有问题的基础上提出优化方案，以期为信用社加快个人金融业务发展建言献策，抓住银行业发展契机，迎接银行业转型挑战，提高信用社实力和竞争力，并为类似企业有关方面提升提供意见和参考。关键词：陕西省农村信用社；个人金融业务；发展策略ABSTRACTAtpresent,China'seconomicoperationisinthecontextofthe"three-phasesuperposition".Itisimperativetoimprovethefinancialsystemanddeveloppersonalfinancialbusiness.Moreover,thetraditionalwholesalebusinesshasreducedprofitmargins,andthepersonalbusinesshasbecomeanewprofitgrowthpointfordomesticcommercialbankswiththecharacteristicsofriskdispersionandstableincome.ThispapertakestheruralcreditcooperativesofShaanxiProvinceastheresearchobject,andusesthecasestudymethodtosummarizethecurrentsituationandthereasonsforthedevelopmentoftheexistingpersonalfinancialbusinessofthecreditunion.Basedontheanalysisoftheexistingproblems,thepaperproposesanoptimizationplantoacceleratetheindividualforthecreditcooperatives.Advanceadviceonfinancialbusinessdevelopment,seizetheopportunityofbankingdevelopment,meetthetransformationchallengesofthebankingindustry,improvethestrengthandcompetitivenessofcreditunions,andprovideopinionsandreferencesfortheimprovementofsimilarenterprises.KEYWORDS：Shaanxiruralcreditcooperative,personalfinancebusiness,developmentstrategy目录第一章引言...................................................................................................................61.1选题目的和意义...............................................................................................61.2相关研究文献综述...........................................................................................61.3研究内容与方法...............................................................................................7第二章农村信用社个人金融业务的概述...................................................................92.1理论综述...........................................................................................................92.2个人金融业务的内涵.....................................................................................102.3个人金融业务的内容.....................................................................................102.4发展个人金融业务的必要性.........................................................................11第三章陕西农村信用社个人金融业务的发展现状.................................................123.1个人金融业务发展的历史过程.....................................................................123.2个人金融业务的发展现状.............................................................................12第四章陕西农村信用社个人金融业务发展存在的问题.........................................144.1经营理念落后.................................................................................................144.2产品种类单一.................................................................................................144.3产品营销不足.............................................................................................
