商业银行理财业务面临的问题及解决对策

Problems and Solutions of Financial Management in Commercial Banks

在经济下行压力以及利率市场化背景下,商业银行利差收窄,盈利能力相对弱化,贷款"双增"趋势明显,拨备计提压力较大。为改善经营状况,增加业务收入,理财业务作为重要的中间业务收入,愈来愈受到商业银行的重视和推崇。通过实地调研,商业银行在开展理财业务中,在目标定位、业务管理、规模拓展、风险管控、宣传引导等方面存在一些问题,制约了理财业务的稳健发展,亟需采取有效应对措施加以解决。

The downward pressure on the economy and under the background of interest rate marketization, commercial bank spreads narrowed, profitability is relatively weak, the ＂double increase＂ trend, loan provision pressure. In order to improve the operating conditions and increase business income, financial services as an important intermediate business income, more and more attention by commercial banks and respected. Through field research, commercial banks in the financial business, there are some problems in the target location, scale development, business management, risk management, publicity and guidance and other aspects, restricting the healthy development of the financial business, the urgent need to take effective measures to solve them.