中国城镇居民商业银行个人理财业务需求的影响因素分析
毕业论文关键词：Logistic模型；个人理财业务；需求；影响因素
Analysis of Influencing Factors of Chinese Urban Residents’ Personal Financial Products of Commercial Banks
Abstract: Since the beginning of the 21st century, Chinese urban residents’ per capita income has risen steadily. The general residents, especially urban residents whose income has increased dramatically, require Professional consulting services to preserve or increase their assets’ value. It is in this case, the personal finance products arises. This is the important period for the transformation of China's banking industry whose business turns from traditional on-balance sheet items to intermediary business. And it is also an important approach to improve competitiveness and profitability of banks. So how to develop personal financial products will influence commercial banks’ survival conditions directly. So this paper, started from the demand of commercial bank personal financial business, will introduce a question about commercial bank financing business development present situation ,and get the information by means of questionnaires by using SPSS statistical software.
We use Logistic model of urban residents in China's commercial Banks to count the influence factors of the personal financial management business requirements, trying to grasp the real financial needs of the residents in Nanjing. The state of the research shows that urban residents income differences and education differences will affect their purchase intention for personal finance products. But the bank's service level and environmental quality, the availability degree of financial products and financial product yields for residents have significant positive influence on purchase intention. Finally, according to the different factors of affecting the level of our country commercial bank inpidual financing business I development countermeasure and the suggestions, in order to the healthy development of Nanjing’s commercial Banks' personal financial management business to provide some enlightenment.
Key words: Personal Financial Product; Requirement；Commercial Banks；Influence factors ；Logistic model
目 录
摘要…1
关键词1
Abstract…1
Key words1
一、导论…2
（一）选题的背景及意义… 2
1．研究背景 2
2．研究意义2
（二）本文的研究内容及创新之处 3
1．研究思路及结构框架3