盛京银行沈阳支行营业部理财业务调查分析

盛京银行沈阳支行营业部理财业务调查分析摘要在经济和社会发展的背景下，金融创新已经成为全球各大各大商业银行争夺的目标。由于具有收益稳定、低门槛、低风险等特点，商业银行的理财产品很快占领了整个金融市场，并在金融领域占有一席之地。在国外，金融服务一直是商业银行的一个重要组成部分，而在国内，起步要比国外晚很多。中国光大银行于2004年九月推出了其首款以人民币为基础的金融产品一一“阳光金融”，这是中国内地各大商业银行首次发行的金融产品。我国商业银行的金融产品由零到多、由单一到多样化，经过了10多年的发展在这十年间，理财产品无论是的种类以及购买人群等都发生了很大的变化。甚至也可以说是有着质的飞跃。商业银行在这些时间里扮演了不可替代的作用。虽然，近年来关于商业银行理财产品的研究文献多不胜数，但针对沈阳市的研究却是凤毛麟角，本文的目的主要以盛京银行沈阳支行营业部理财业务发展情况为研究对象，通过阅读文献和实地调查的方法，紧紧结合当前国内金融业政策和经济发展情况，分析盛京银行沈阳支行营业部理财业务发展现状及发展过程中出现的问题，并针对出现的问题提出合理的建议和意见，以期从中得出普适性结论，对各中小城市的发展都能提供范本。本文第一部分主要是对商业银行理财业务概念的介绍。第二部分调查和分析了盛京银行沈阳支行营业部的金融服务，并根据调研结果进行了深入的分析。第三部分是对我国商业银行在发展中遇到的一些问题进行了细致的剖析，并对其发展中存在的一些问题进行了归纳。第四部分针对上述问题，提出了相应的对策。关键词：个人理财：理财业务：金融产品AbstractWith the continuous development of social economy,financial innovation has becomethe focus of commercial banks all over the world,and the financial products of commercialbanks have also become the hot spot of this wave of innovation.Financial products ofcommercial banks quickly occupy the financial market with its advantages of stable income,low threshold and low risk,and become the market leader of financial business.In foreigncountries,financial business has become an important part of commercial banking business,but in China,the starting situation is much better than that of other countries.The realfinancial management of China's commercial banks is the RMB financial product "sunshinefinancial management plan"first launched by China Everbright Bank in September 2004,which opened the prelude to the issuance of financial products of commercial banks inmainland China.The financial products of China's commercial banks have experienced morethan ten years of development,from lack to existence,from small to large,from singlevariety to full variety.In the past decade,the scale,variety and participants of financialproducts have changed greatly,and even made great progress.Commercial banks play anirreplaceable role.Although there are many research literatures on financial products ofcommercial banks in recent years,there is little research on Shenyang.In this paper,thedevelopment of financial management of Shenyang branch of Shengjing Bank is taken as theresearch object.It adopts a research method that combines literature and field research toclosely link the current policies of the domestic financial industry with economicdevelopment.The paper analyzes the current situation and problems in the development offinancial management in Shenyang branch,and puts forward reasonable suggestions andopinions on existing problems to draw general conclusions and provide guidelines for thedevelopment of small and medium-sized cities.The first chapter mainly introduces the concept of financial management of commercialbanks.The second chapter analyzes the development of financial management business ofShenyang Branch,and makes an in-depth analysis of the collected data.The third chapteranalyzes the specific problems of commercial banks'financial management in detail andsummarizes the existing problems in the