TY农村信用社个人理财业务现状及发展对策研究

TY农村信用社个人理财业务现状及发展对策研究摘要近年来金融市场逐步实现全球化，我国的经济更是持续的快速发展，公民的储蓄不断增长，收入水平不断提高，以至于人民对生活品质的要求也越来越高，财务管理观念也在不断加强。所以，各种金融产品层出不穷的在中国掀起了一场理财潮流。然而金融领域市场瞬息万变，国民金融知识普遍缺乏，对股票、债券等金融产品往往望而生畏，再加上其他非银行金融机构发行的理财产品违约事件频频爆出，所以，银行的金融产品以其风险低、收益平稳等优点得到广大居民的喜爱，成了消费者财富管理的首选。然而现在中国的金融市场，针对于个人理财业务的研究中忽视了农村信用社这一领域。但是在很多农村信用社中财富管理业务在发展对策上很欠缺，在其整体收入中这一部分的收入占比很低。具体表现在产品类型单一、可选性少、信誉风险高等方面，总之目前我国农村信用社对于个人理财业务的发展不重视。鉴于这种情况，本人在仔细研读了国内和国外的专家学者对商业银行的个人理财业务的研究的前提下，通过自己的学习和实践，结合对个人理财业务的理论研究，以TY农村信用社为实际案例，对其个人理财业务的现状进行分析，为其找到适合的发展对策。一方面为消费者提供丰富的理财产品，帮助客户获得利润：另一方面促进农村信用社理财产品的创新性和可持续发展，实现银行与客户互惠互利、合作共赢的大好形势。关键词：农村信用社：个人理财：发展问题：对策研究ABSTRACTIn recent years,financial market is achieving globalization gradually ,whileeconomy of China is growing rapidly and sustained.National standard of living andconsumption level is growing with the increase of national wealth,so they put forwardhigher requirements for the quality of life and strengthen the concept of financialmanagement.A variety of financial products emerge in an endless stream,and set off a"financial crisis"in China.While financial market vary from minute to minute andpeople are lack of financial knowledge generally,national are afraid stock and bond.Inthe same time,the financial products of non-bank financial institutions breach ofcontract frequently.The financial products of commercial bank receive the trust of lotsof consumers,relying on their advantages of low risk and stable income,so they becomethe primary choice of people.At present,the important category of personal financialservices researching is always ignored in chinese financial sector.Most of rural creditunions development strategies of personal financial services are not perfect .Theproportion of personal financial services income is very low,because the products typesare less and the credit risk is higher.All in all,the rural credit union ignore the field ofpersonal financial services.In view of this situation ,I read a lot of researches about bank personal financialservices written by experts at home and abroad.Then I explore the personal financialservices of TY rural credit union,by my learning experience ,hands on background andresearching about theories of personal financial services.I explore the developmentstatus of TY Rural Credit Union's personal financial services,the find the issues thathindering development,so that propose the solutions.On the one hand,I want to promotethe innovativeness and sustainable development og TY Rural Credit Union's personalfinancial services.In the same time I want to offer some proposals about that helpingTY Rural Credit Union to occupy the rural financial market and ploy a role of ruralfinances main force,Presenting a prospect of bank and clients mutual benefit andachieve win-win situation,guiding clients to buy personal financial products rationally.Keywords Rural Credit Union,personal financial service,developmentproblems,search of countermeasure.2山西财经大学硕士学位论文目录学位论文原创性声明.学位论文版权使用授权书.摘要ABSTRACT..2第1章绪论…1.1研究背景和意义1.1.1研究背景.1.1.2研究意义…1