上海外国语大学贤达经济人文学院毕业论文（设计） 我国商业银行个人理财业务探讨l 全文通篇都需要页眉l 页眉字体：宋体，小五全篇页面的页边距为：上下2.54厘米，左右3.17厘米注意此处的表述为：上海外国语大学贤达经济人文学院毕业论文（设计）上海外国语大学贤达经济人文学院毕业论文（设计）小二号、宋体二号、黑体我国商业银行个人理财业务探讨三号、Time new Roman Research On the Personal Financial Business of Commercial Banks in China“学号”的字体采用四号、Times New Roman，其余字体采用四号、宋体。学 生： 学 号： 学 院: 商学院专 业： 金融学商学院的专业包括：国际经济与贸易、金融学、会计学、工商管理、法学。导 师： 上海外国语大学贤达经济人文学院首页无页码二一六年五月force (youth teams) and County party leaders, aimed at weakening the anti-Japanese forces. Zhuang Shaozhen was removed from Office and to the underground revolution activities carried out in the country, political parties were dissolved. Zhejiang comrades and thus losing a foothold in Wujiang basis points. To make them stay, jindapeng served as captain of the young workers through activities, make the political player-wise into the youth team. Save a group of the backbone of the resistance, and gave the Communists . Commander Zhu Xi, led by Deputy Commander Wang Hesong, stationed along the junction of Jiangsu xincheng, Wuzhen. Zhu Xi troops KMT-CCP cooperation and anti-Japanese policy of solidarity, he moved to Jiangsu and Zhejiang provinces. Zhu Department times and day Army hand-to-hand combat made victory, grow has momentum, standing strict Tomb, and new Cheng of appeasement army giant Haru Brigade anyway, received adapted; living Taihu Lake of bin of two a even Hunan army with of allegiance; Jiangsu and Zhejiang junction area of Wang Chunlin Department about 500 people also has done a Yu Zhu Xi men; River, and Zhejiang, and Shanghai area many tour miscellaneous forces also attracted attached return, plus many local youth have joined forces, Zhu Xi strength big increased, from original more than 200 more people quickly development to more than 4,000 more than people, opened has a to Wuzhen for Center, including strict Tomb, and Shuanglin, practicing guerrilla base of the urban, new Cheng became strongest guerrilla forces of the Kuomintang along the border of Jiangsu and Zhejiang. In April, the Deputy Commander of the Zhu Xi Wang Hesong tomb of the eighth Brigade more than more than 100 guns into the country of Pakistan and a Hui, Miao, jijiaozhishi with the town. At this point, and underground I lost contact,II论文诚信声明本人郑重声明：1.此学士学位论文是本人在指导教师指导下独立进行研究取得的成果。除了特别加以标注和致谢的地方外，本文不包含其他人或其它机构已经发表或撰写过的研究成果。对本文研究做出重要贡献的个人与集体均已在文中作了明确标明。本人完全意识到本声明的法律结果由本人承担。2.本人完全了解学校、学院有关保留、使用学位论文的规定，同意学校与学院保留并向国家有关部门或机构送交此论文的复印件和电子版，允许此文被查阅和借阅。本人授权上海外国语大学贤达经济人文学院可以将此文的全部或部分内容编入有关数据库进行检索，可以采用影印、缩印或扫描等复制手段保存和汇编本文。3.若在上海外国语大学贤达经济人文学院学士学位论文审查小组复审中，发现本文有抄袭，一切后果均由本人承担（包括接受学士学位论文成绩不及格、缴纳学士学位论文重新学习费、不能按时获得学士学位证书等），与论文指导老师无关。手写签名l 页脚用罗马字母“I、 II、 III、 IV、V”注页码。l 字体：小五号、Times New Roman。作者签名： 日期： 小三、黑体、加粗此处“摘要”字样与下面的正文之间以1.5倍行距空一行。我国商业银行个人理财业务探讨小三、黑体 摘 要摘要字数为500字左右商业银行个人理财业务作为一项新兴的低风险、低成本、高收益的中间业务，不仅可以增加银行的中间业务收入，带动银行零售业务的整体发展，而且还可以为商业银行带来大量的本外币存款的资金沉淀。随着我国金融市场开放程度的不断提高，在这种机遇与挑战并存的背景下，深入分析个人理财业务的发展状况、存在问题及其问题根源，联系当前国内商业银行实际情况提出可操作性的发展建议，对国内商业银行加快个人理财业务发展具有重要的现实意义。为了实现我国商业银行的整体发展战略，加快零售业务的大发展，也有必要从战略的角度对我国商业银行的个人理财业务进行思考和研究。此处正文与下面的“关键词”之间以1.5倍行距空一行。文章首先介绍了商业银行个人理财业务的文献综述，界定了商业银行个人理财业务的定义和种类；其次，回顾了国内商业银行个人理财业务的产生和发展历程，总结了商业银行个人理财业务的发展现状；再次，从不同角度指出了我国商业银行个人理财业务发展过程中存在的问题及原因；最后，通过比较分析，借鉴了国外商业银行发展个人理财业务的先进经验，并针对制约我国商业银行个人理财业务发展的因素，提出了一系列促进我国商业银行个人理财业务发展的思考和建议。本文对商业银行转变个人理财服务观念、推进个人理财业务的发展具有一定的借鉴作用。摘要内容字体：小四号、宋体。用罗马字母“”注页码l 页脚用罗马字母“I、 II、 III、 IV、V”注页码。l 字体：小五号、Times New Roman。小四号、黑体、加粗。l 字体：小四号、宋体。l 关键词之间以空两格隔开。关键词：商业银行 个人理财 理财产品II三号、Times New Roman、加粗、1.5倍行距。 Research on the Personal Financial Business of Commercial Banks in China三号、Times New Roman、加粗。此处“ABSTRACT”字样与下面的正文之间以1.5倍行距空一行。ABSTRACTAs an emerging intermediary business of low-risk, low-cost and high-yield, personalfinancial services of commercial banks can not only increase the banks intermediatebusiness income, bring along the overall development of banks retail business, but also can bring a large number of funds precipitation of foreign currency deposits forcommercial banks. In order to achieve the overall development strategy of Chinas英文摘要内容字体：小四号、Times New Roman。commercial banks and to accelerate the development of retail business, it is necessary from a strategic point of view to consider and analyses the personal financial business of Chinas commercial banks.此处正文与下面的“Key Words”字样之间以2倍行距空一行。This article introduces firstly the definition and classification of personal financial business of commercial banks. Secondly, this article reviews the development process of personal financial business of domestic commercial banks through the service products marked by innovation, sums up its development status quo, points out again from a different viewpoint the existing problems and reasons in the developing process of personal financial business of Chinas comme