我国商业银行个人理财业务发展分析——基于spss的成都市居民理财需求实证分析

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1、Abstract1nhepersonalfinancingbusinessistheprocessthatthecommercialbankhelpsitscustomertorealizehisgoalbyutilizinghisownfinancial北sourc&Thecommercialbanksanalyzethecustomer’Sfinancialdatasuchasincome，expenditure，assets，debt,insurance，cashflow，andassetsvalue，considerthecustomer’Svarious

2、kindsoffinancialgoalssynthetically,andcarryonthetestofcustomer'sriskpartialityandadjustmentofinvestmentcombinationinordertohelpthecustomermakeindividualizedfinancingplan,recommendthefinancialproductandprovidefinancemanagementreport．Inthewesterncountries，thepersonalfinancingbusinesshas

3、steadilyoccupiedtheimportantpositioninthebusinessdevelopmentofcommercialbanks，characteredbythelargeamount,lowrisk,widebusinessscope，andsteadyprofits．11hepersonalfinancingbusinessappearedinSwitzerlandfirst,laterhadgotfastpopularizationindevelopedcountriesandregionssuch瓠U．S．八，EuropeandJ

4、apan,HongKongofAsia．Ithasbecomemainbusinesslinesofeverylargebankoftheworldnow．Nowadays，thedevelopmentOflarge—sc．粗ecommercialbanksdependsonthecorporatebusinessandtheprivateserviceinsteadofdependingprimarilyonthecorporatebusinessbefore．nepersonalfinancingbusinesshasbecometheimportantcha

5、nnelofmakingprofits．Foralongtime，commercialbanksinChinaarebasedprimarily011depositandloanbusiness，andinterestincomeaccountsformorethan90％ofrevenue．However,therealealotofdifficultiesifthecommercialbankswanttomaintainthestatus．First,thefinancialmarketsinChinahaveestablishedthedirectiono

6、fmarketinterestrates，SOthespreadsOfdepositandloanbusinesscontinuetonarrow．Second,thecapitalmarketinChinadevelopesrapidly，includingstocks,corporatebonds，couponsandothershort·termfinancingchannels，whichmakeslTheStudyOnPersonalFinancialBusinessinChina’SCommercialBanksthecreditintermediar

7、7functionofthebankweak·Inaddition,theincreaseinnumbersandtypesofinvestmentproductsincapitalmarket,fundsmarketandinsurancemarkethasadirectimpactonthedepositbusinessofthecommercialbanks，resultinginincreasedfinancialdisintermediationphenomenon．Atthesametime，foreignbanksentertheChinesefin

8、ancia