BHBH金融学论文欧桓廷.doc

\ 毕业设计(论文) 南宁市邮政储蓄银行个人理财业务的风险以及防范学 院名称经济与管理学院专 业名称金融学学 生学号欧桓廷学 生姓名 N3 110380725 指 导教师薄文雅助理指导老师颜莉 2015 年1月南宁市邮政储蓄银行个人理财业务的风险以及防欧桓廷北京航空航天大学北海学院北京航空航天大学北海学院毕业设计( 论文) 第页 I 本人申明我声明, 本论文及其研究工作是由本人在导师指导下独立完成的, 在完成论文时所利用的一切资料均已在参考文献中列出。作者: 欧桓廷签字: 时间: 北京航空航天大学北海学院毕业设计( 论文) 第页 II 南宁市邮政储蓄银行个人理财业务的风险以及防范学生姓名: 欧桓廷指导老师: 薄文雅摘要现阶段,我国各商业银行之间的高度竞争模式,使其开展传统银行业务的获利空间逐渐呈下滑趋势。商业银行需要寻找新的业务发展渠道,个人理财业务是很好的选择。个人理财业务的开展不需要利用商业银行的自有资金,往往会使得商业银行对其面临的潜在风险不给予足够的重视,这对于商业银行理财业务的顺利发展是极为不利的。中国邮政储蓄银行作为新成立的银行, 目前正处于不断扩张、壮大的阶段, 个人理财业务理应成为其抢占市场份额的重要举措,并已取得一定成效。但同时应看到,在个人理财业务同质化严重、监管部门强化监管等背景下,中国邮政储蓄银行个人理财业务面临的风险也在加大。故此,深入研究中国邮政储蓄银行个人理财业务的潜在风险,以期为中国邮政储蓄银行提供可参考之风险防范对策具有一定的现实意义。关键词: 中国邮政储蓄银行、个人理财业务、风险防范北京航空航天大学北海学院毕业设计( 论文) 第页 III Personal financial business ofP ostal S avings B ank ofC hina risks and Prevention Author : Ou Huanting Tutor : Bo Wenya Abstract At present . between China mercial banks petitive mode , which carry out the traditional banking business profit space gradually declining. Commercial banks need to search for new business development channels , the personal financial management business isa good choice. The personal financial business development mercial banks need to use its own funds , often makes mercial banks on the potential risk donot pay enough attention to the smooth development of mercial bank financial services is extremely unfavorable. Postal Savings Bank of China as the newly established bank , is currently in the expansion and growth stage , the personal financial management business should e the important measure to seize market share , and has achieved certain results. But also should see , in the personal financial management business of the homogenization of serious , supervision departments to strengthen supervision of background , risk of personal financial business of China postal savings bank is also increasing. Therefore , the potential risks of in-depth study of personal financial business of China postal savings bank , in order to provide reference of risk preve