招商银行个人理财业务发展问题及对策研究

Research on the Problems and Countermeasures of the Development of Personal Financial Business in China Merchants Bank

当今时代,随着经济的快速发展以及居民投资热情的提高,商业银行理财业务已成为银行利润的新增长点,商业银行为投资者提供丰富多样的理财产品。一方面,在一定程度上提高了居民的收入水平;另一方面,银行理财业务将宏观金融政策与微观银行机构联系起来,将国家金融政策落实到了实处。为此,论文重点分析了招商银行个人理财业务,对其进行概述,分析其中存在的问题,针对这些问题提出解决策略。

In today's era,with the rapid development of economy and the improvement of residents'investment enthusiasm,financial business of commercial banks has become a new growth point of bank profits.Commercial banks provide investors with a variety of financial products.On the one hand,it improves the income level of residents to a certain extent.On the other hand,the bank financial business links the macro financial policy with the micro bank institutions and practically implements the national financial policy.To this end,the paper focuses on the analysis of personal financial business of China Merchants Bank.This paper gives an overview of it,analyzes the existing problems,and puts forward solutions to these problems.