论我国银行理财产品的发展前景摘要我国作为世界上最大的发展中国家，但是经济发展水平仍然偏低、金融主体竞争力不强、金融体系还很脆弱。自入市以来，外资银行的不断涌入，不仅给我国银行业带来了先进的管理方式，而且也带来了巨大的压力。尤其对于中间业务的发展上，外资银行的理财中心纷纷登陆我国市场，期望通过理财业务来吸引优质高端客户，扩大市场份额，因此个人理财业务成为国内外银行角逐的焦点。目前我国理财业务的水平普遍不高，但用发展的眼光来看，随着国家政策的大力扶持、人民群众素质的不断提高及逐渐扩大的市场需求，银行理财业务具有十分丰富的发展潜力。关键词：理财；金融；国家政策；潜力AbstractChinaastheworld'slargestdevelopingcountry,butthelevelofeconomicdevelopmentisstilllow,financialmainlesscompetitive,thefinancialsystemisstillfragile.Sincethestockmarketsincethecontinuousinfluxofforeignbanks,notonlytoChina'sbankingsectoradvancedmanagementmethods,butalsobroughtgreatpressure.Especiallyforthedevelopmentofintermediarybusiness,thefinancialcenteroftheforeignbankshavelandedinChina'smarket,expecttoattracthigh-qualityhigh-endcustomers,expandmarketsharethroughtheFinancialServices,PersonalFinancialServicestobecomethefocusofcontentionofthedomesticandforeignbanks.ThecurrentlevelofChina'swealthmanagementbusinessisgenerallynothigh,butwiththedevelopmentpointofview,withthestrongsupportofnationalpolicy,continuouslyimprovingthequalityofthemasses,andgraduallyexpandthemarketdemand,bankwealthmanagementbusinesshasaveryrichpotentialfordevelopment.Keywords：Financialmanagement;Finance;Nationalpolicy;potential目录一、绪论..................................................................1（一）理财业务的背景分析...............................................1（二）本文的研究意义...................................................1二、国内外银行理财业务发展现状的比较......................................2（一）我国商业银行个人理财业务发展现状.................................2（二）国外商业银行个人理财业务发展现状................................2（三）国内外商业银行理财业务发展的对比分析.............................3（四）理财产品完备性方面差距较大.......................................31.个人理财业务提供的核心产品方面...................................32.在个人理财业务广度方面..........................................43.在个人理财业务深度方面..........................................44.银行理财水平不同................................................55.个人理财服务品牌的重视程度不同..................................5三、我国商业银行个人理财业务存在的问题....................................6（一）商业银行外部制约因素.............................................61.分业经营金融体制的制约..........................................62.利率管制政策....................................................73.理财市场的法律体系和监管机制不完善..............................74.理财观念缺乏....................................................7（二）理财产品创新不足，理财业务层次低.................................7（三）市场推广和开拓不力...............................................8（四）营销渠道单一.....................................................8（五）缺乏组织机构保障.................................................8（六）缺少系统支持.....................................................8（七）专业理财人才欠缺.................................................9（八）银行控制风险能力差...............................................9四、...
