国内商业银行个人理财业务存在的问题与对策  

Problems and Countermeasures of Personal Financial Management in Domestic Commercial Banks

作　　者：陈明睿 CHEN Ming-rui(School of Marxism,Wuhan Institute of Technology,430205,Wuhan,Hubei,China)

机构地区：[1]武汉工程大学马克思主义学院,湖北武汉430205

出　　处：《特区经济》2023年第5期139-142,共4页Special Zone Economy

摘　　要：伴随着国内金融业的快速发展,理财这一板块由之前的单纯产品销售演变成如今的财富一站式规划服务。中国金融体制改革在不断深化,商业银行理财业也在迭代换新,理财业务在未来将成为商业银行新的利润增长极。但是个人理财存在着同质性严重,体系不严谨,市场秩序缺乏有效监管和相关人员素质较低等突出问题。个人理财业务要突破限制,更新观念,在创新内容,完善体系,加强监管,提升相关人员素质等方面做出努力,加快业务转型升级。With the rapid development of domestic financial industry,the financial management sector has evolved from simple product sales to one-stop wealth planning service.China’s financial system reform is deepening,and the financial management industry of commercial banks is also undergoing iterative renewal.The financial management business will become a new profit growth pole of commercial banks in the future.How⁃ever,there are some outstanding problems in personal finance,such as serious homogeneity,imprecise sys⁃tem,lack of effective supervision of market order and low quality of related personnel.Personal financial management business should break through restrictions,renew ideas,make efforts in innovating content,per⁃fecting system,strengthening supervision,improving the quality of relevant personnel,etc.,and acceler⁃ate business transformation and upgrading.

关 键 词：理财产品 业务体系 市场秩序 政府监管 理财从业者 

分 类 号：F832.2[经济管理—金融学]