The source of the opening report 1 The opening report refers to the written explanation of the sponsor on the scientific research topic.
This is a new applied style with the enhancement of the planning of modern scientific research activities and the need of programmed management of scientific research topics.
The opening report is generally in tabular format, and each item to be reported is converted into a corresponding column, which is convenient for the opening report to fill in according to the item and avoids omission; It is also convenient for the judges to see at a glance and grasp the main points.
The opening report includes four aspects: summary, key technology, feasibility analysis and time arrangement.
The opening report is one of the basic materials for the graduation thesis defense Committee to examine students' defense qualifications.
Because the opening report is the main idea of the paper in words, it doesn't have to be too long, but it should include the planned research topic, how to study it, the application of theory and other major issues.
The general part of the opening report should first propose the topic, and briefly explain the purpose of the topic, the research status, theoretical application and research methods of related topics.
The opening report is a statement made by the project undertaker to relevant experts, scholars and scientific and technological personnel.
Then they will comment on the scientific research topics.
You can also use "Delphi method" to score; Then the scientific research management department comprehensively evaluates the opinions and decides whether to approve the project.
The contents of the opening report are as follows: project name, undertaker, project leader, starting and ending years, and registration outline.
The registration outline includes:
(1) The purpose, significance, research survey at home and abroad, main viewpoints and conclusions of relevant literature;
(2) Research object, research content, relevant indicators and main research methods (including whether experimental research has been conducted);
(3) the overall schedule;
(4) preparatory work and existing conditions (including personnel, instruments and equipment, etc.). );
(5) The main equipment and instruments to be added (use, name, specification, model, quantity, price, etc.). );
(6) Budget estimates;
(7) Expected research results;
(8) Undertaking units and main cooperative units, and division of labor, etc.
Peer review focuses on judging the basis, significance and technical feasibility of the topic.
That is, science and technology itself provide the necessary basis for decision-making.
The basic content and order of the opening report: the purpose and significance of the paper; Overview of research at home and abroad; The main problems to be studied and solved in this paper; The main content (outline) of the proposed paper; Progress of paper plan; Others.
The core content is "the main problems to be studied and solved in this paper".
When writing, you can write this part first, and then write other parts on this basis.
The specific requirements are as follows:
1. The problem to be solved in this paper
Clearly put forward the specific academic problems to be solved in the paper, that is, the innovation of the paper.
Clearly point out opinions, conclusions, solutions, phased results ...
Comment on the shortcomings of the above literature research results.
Put forward your ideas or solutions for paper preparation, and briefly describe the preliminary reasons.
Your viewpoint or method is the core content that needs to be demonstrated through the research and writing of the paper. Putting forward and demonstrating is the purpose and task of the paper, so it is not a conclusion. It may be overturned in the research, or it may not get the result.
The purpose of the opening report is to ask experts to help judge whether your problem is worth studying and whether the viewpoints and methods you want to demonstrate can be studied.
Generally, three or four questions are put forward, which can be several sub-questions under a big problem or several parallel related problems.
2. Research status at home and abroad
In the literature review, only the frontier literature closely related to the problem to be solved in this paper is briefly reviewed, and other related literature reviews are summarized in the literature review.
Based on the problem to be solved in this paper, some contents are allowed to be repeated.
3. The purpose and significance of the research.
This paper briefly introduces the basic concepts and background of the problems studied in this paper.
Briefly point out the specific problems to be studied and solved in this paper.
Briefly explain the academic advancement or function of solving the above problems.
Based on "the problem to be studied and solved in this paper", repetition is allowed.
4. The main content of this paper.
Put forward the writing outline or content structure of the whole paper.
From this, we can better understand that the problem to be solved in this paper is different from the main content of the paper, but the purpose and core of the paper.
Source of the opening report Article 3 I. Background and significance of the topic selection.
BACKGROUND: The personal finance business of China's commercial banks began in the middle and late 1990s. Although it has been developed for nearly 10 years, it is still in its infancy, and there are imperfections in products, services, management and innovation. In recent two years, with the improvement of residents' income level, residents' demand for personal financial services has become stronger and stronger. At the same time, the negative real interest rate caused by high inflation is also one of the important factors to enhance residents' financial demand. After the outbreak of the subprime mortgage crisis in the United States, financial markets at home and abroad suffered heavy losses, the stock market fluctuated downward, and a series of investable derivatives were questioned by investors. How to effectively invest idle funds with low risk and high return will be the most concerned issue for potential investors. Under this financial background, wealth management products have won the recognition of investors with their unique designs, and the number of issues has once increased, and the wealth management market has become an important field of financial innovation in the future.
Significance: With the development of globalization, networking and financial liberalization, personal finance has become a new field with great potential recognized by the international financial industry. Internationally, vigorously developing personal financial services is in line with the development trend of international financial industry, and personal financial services based on personal financial services have become the main source of profits for foreign commercial banks. With the accelerated transformation of domestic economic structure, the development of capital market, the diversification of investment channels and the rapid growth of personal wealth, the traditional business that brings rich benefits to commercial banks in China is shrinking, and the personal wealth management business that can bring rich benefits to commercial banks has gradually become a new profit growth point for banks.
The personal financial business of commercial banks has a wide range of business and stable operating income, which belongs to the "gold business" with high added value. The development of personal wealth management business has unique advantages in realizing the diversification of bank assets structure, alleviating the excess pressure in liquidity in the banking system and reducing the structural risks of deposits and loans. It has become the leading product and important income source of many large commercial banks in developed countries, and plays an important role in the business development of commercial banks. In addition, with the full opening of China's financial market after China's entry into WTO, it is difficult for domestic commercial banks to compete with foreign banks only by traditional deposit and loan business, so they must open up new profit sources. Under the background of opportunities and challenges, combined with the actual situation of domestic commercial banks, it is of great practical significance for domestic commercial banks to deeply analyze the development status, existing problems and their roots of personal financial services and put forward operable development suggestions. This is the significance of this topic.
Second, the research status at home and abroad
Foreign studies
Since 1970s, under the impact of the wave of financial innovation, the personal finance business in western developed countries has developed rapidly. In western developed countries, the research on personal finance has been very in-depth and extensive, and related articles and works can be said to involve all aspects of personal finance.
"holman and northumberland (2004) discussed in detail the formulation of personal financial planning, the introduction of various financial tools and how to choose the appropriate financial tools according to the actual situation of individuals. The book expounds the principle and application of personal financial management in easy-to-understand language, which has a certain guiding role in personal financial planning. "
"Quarkhow (2004) made a detailed and systematic discussion on personal financial planning, which is helpful for us to systematically understand the basic framework of personal financial services in western commercial banks and accelerate the development of personal financial services in China."
Hughes and Kapoor (2004) introduced the basic knowledge of personal financial management in detail from all aspects, including the importance of financial management, the steps of financial decision-making, various tools and methods of financial management and various means of investment and financial management. The comprehensive and complete introduction of this book is of great guiding significance for people to use financial management tools to protect their wealth security. "
It can be seen from foreign research works that their main research object is financial management tools, focusing on the application of financial management business, making full use of financial management tools to serve individuals and achieving the purpose of increasing their financial management value.
(b) domestic research
The personal finance business of China's commercial banks started late and gradually developed in the middle and late 1990s. After entering the 20th century, the personal finance business of China's commercial banks has developed faster and faster. Therefore, there are more and more domestic research articles and monographs on personal finance of commercial banks.
Huang Miao and Zhao Jing summarized the financial services of Chinese and foreign banks in "Analysis of Current Financial Services of Chinese Banks" (2009), pointing out that there are the following problems in the financial services of Chinese banks: 65,438+0, many banks can hardly make profits from financial services in a short time, 2. Financial means are relatively backward; 3. The organizational structure is unscientific. Based on the advantages of foreign banks' wealth management business, this paper puts forward the countermeasures that China's bank wealth management business should adopt: organizational structure innovation, product innovation and scientific and technological innovation.
Jiang Jianping described the development of domestic bank wealth management products in "Current Situation and Future Trends of Bank Wealth Management Products" (2008), analyzed the reasons for the rapid development of bank wealth management products, predicted the future development trend of bank wealth management products, and finally put forward the future strategic choices of commercial banks.
Wang Xiaohua and Huang Rujing think about the development of personal financial business of banks from the perspective of China's aging population (2008).
This paper predicts the present situation and trend of population aging, and analyzes the feasibility of developing personal financial products for the elderly from three aspects: the national economic strength, the income sources of the elderly and the development cost of banks. The conclusion is that with the development and perfection of the social security system for the elderly and the development of China's social economy, commercial banks will have a broader market space for personal financial services for the elderly.
In "Analysis of Bank Wealth Management Products" (2008), Wei Wei summarized the development status of bank wealth management products, discussed the definition, characteristics (high starting point, fixed term, flexible investment and full coverage) and classification of wealth management products, and analyzed the main classifications.
After combing and analyzing the domestic research articles and monographs, we can find that the domestic research articles and monographs mainly focus on the basic knowledge, existing problems and countermeasures of personal finance. The research on the present situation is relatively simple, and only a brief introduction is made. In addition, I talked a lot about the personal finance business of banks, but I didn't point out what the key problems were, and I didn't put forward practical and efficient solutions. Not as applied as foreign financial management books.
Third, the main research contents and expected objectives of the design (thesis)
Main research contents: Firstly, the article gives an overview of personal finance, and expounds the concept, content and theoretical basis of personal finance. Then it introduces the present situation, characteristics and trends of personal finance in domestic commercial banks, makes a comparative analysis of personal finance business in domestic and foreign commercial banks, and finds out the problems existing in the development of personal finance business in Chinese commercial banks and the root causes of these problems. Finally, in view of the problems existing in the personal finance business of commercial banks in China and the causes of the problems, this paper puts forward some effective countermeasures for the development of personal finance business of commercial banks in China.
The full text mainly includes the following contents:
The first part is an overview of personal finance business of commercial banks, which mainly introduces the concept, main contents and theoretical basis of personal finance business of commercial banks. Personal financial management business of commercial banks means that "financial planners listen to customers' hopes, requirements and goals by collecting and sorting out personal customers' income, assets, liabilities and other data, and formulate financial management design schemes such as investment portfolio, savings plan, insurance investment countermeasures, inheritance and business strategy for customers to help customers maximize the value of funds." The core of personal finance business is to rationally allocate assets and income, realize the safety, stability, liquidity and profitability of customer assets, and comprehensively improve the consumption level and quality of life of customers in their life cycle; From the bank's point of view, personal finance business mainly includes four types of business, namely, personal settlement business, personal loan business, personal investment business and consulting business. "The theoretical basis of personal finance in commercial banks includes life cycle theory, portfolio theory, capital asset pricing theory and financial innovation theory."
The second part is an overview of the development of personal finance business in domestic commercial banks, mainly introducing the development status, necessity and development trend of personal finance business in domestic commercial banks. When analyzing the necessity, firstly, it analyzes the current situation of personal finance business demand; Secondly, it analyzes the influence of personal financial services on banks themselves, which is conducive to expanding income sources and enhancing anti-risk ability. Personalized personal financial services will improve the core competitiveness of commercial banks and enhance their competitive strength to meet the challenges of foreign banks after China's entry into WTO.
The third part analyzes the existing problems and their reasons from the comparison of domestic and foreign commercial banks. "There are the following main problems in the development of personal finance business in China's commercial banks: problems in organizational structure, serious product homogeneity, serious shortage of differentiation and personalization, insufficient marketing development, single marketing channel, backward scientific and technological means and lack of high-quality comprehensive financial management talents."
The fourth part is to put forward the countermeasures to promote the development of personal finance business in domestic commercial banks. In view of the problems existing in the development of personal finance business of domestic commercial banks and the causes of the problems, this paper puts forward corresponding countermeasures, which are divided into internal countermeasures and external countermeasures. According to their own characteristics, banks should improve their organizational structure, improve their products and strengthen scientific and technological innovation. The macro-external environment includes improving the market supervision and legal norms of personal financial management of commercial banks and accelerating the development of China's financial market.
Innovation: When studying countermeasures, we will investigate the aging population and the potential users who will enter the aging in the next few years according to the social phenomenon of aging population, and design financial products that meet their requirements according to their consumption habits and income. In the next few decades or even longer, the proportion of the elderly population will continue to increase, which will be a market with great development potential. Establishing an econometric model of population aging will find that population aging is related to GDP. According to this feature, regions with different economic development conditions will design wealth management products according to regional characteristics.
Expected goal: To deeply understand the general situation and present situation of wealth management business of commercial banks in China, find out the existing problems and find out the solutions, so that the wealth management business of banks in China can grow better and develop faster, and at the same time, let investors better understand and use personal wealth management business to achieve the effect of maintaining and increasing value.
IV. Organization of work
Week 1, 1-2: Collect information, read literature, and determine the topic of the paper.
2. Week 3-6: Collect relevant materials and documents according to the selected topics, and take notes on reading the documents.
3. Week 7-8: Summarize the collected data and write an outline of the paper.
4. Week 9-1 1: Collect data, build an aging population model, and conduct a public opinion survey on wealth management business.
5. Week 12- 15: Write a paper and revise it with the help of the teacher.
6. Week 16: Finish the thesis.
Verb (abbreviation of verb) reference
[1] Fairy Tales, Unveiling Banking Finance in China, Public Finance, 2008, p84-85.
[2] Wang Xiaohua, Huang Rujing, thinking about the development of personal financial business of banks from the perspective of population aging, "Contemporary Economy", No.4, 2008 (below), p64-66.
[3] Huang Miao, China Economic Growth and Current Banking Business Analysis, Modern Business Industry, No.8, 2009, p 138- 139.
[4] Yin Peng, Financial Products Research Report, Modern Economic Information, April 2009, P228-229.
[5] Zhong Xiaolan, Liu Xinshe, Analysis of Financial Products of Commercial Banks, Northern Economy, No.2, 2006, p48-49.
[6] Liu Shan, Discussion on Personal Financial Services of Commercial Banks in China, Value Engineering, No.2, 2005, p 1 18- 120.
[7] Jiang Jianping, development status and future trend of bank wealth management products, exploration of transformation, April 2008, p39-44.
[8] Wei Kun, Bank Wealth Management Product Analysis, Science and Technology Information, No.35, 2008, p373-374.
[9] Zhang Lei, Shen Shuichen, personal finance business development strategy of China Commercial Bank, Retail Bank, 2007, p32-36.
[10] Huang, Development Mode and Path Selection of Bank Financing in China, Research on Financial Problems, No.9, September 2009 (No.310 in total), p5 1-56.
[1 1] Wang Peng, Research on the Development of Personal Financial Services of Commercial Banks in China, East China Normal University, 2007.
[12] Lv Zhao, research on the development of personal finance business of commercial banks, Tianjin University of Finance and Economics, 2008.
[13] Tang, Comparative Study on Personal Financial Services of Domestic and Foreign Commercial Banks, Southwestern University of Finance and Economics, 2007.
Sixth, the guidance of teachers' opinions.
Instructor's signature:
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