新时代商业银行理财专业人才培养路径研究
The Path Research of Commercial Banks Financial Professional Talents Training in the New Era

随着互联网金融和区块链快速发展，商业银行面临发展转型的机遇和挑战，银行理财公司成为新的业绩增长点，这也为中国家庭和企业资产财富管理开辟了新渠道。通过问卷调查分析，我国商业银行理财业务受大众认可度较高，但是理财服务的专业能力有待提升，银行理财缺乏综合性专业人才。商业银行理财专业人才培养路径包括高校培养和银行内部培养两种有效途径，需要政府宣扬理财理念，为理财师的成长提供广阔的社会舞台，通过高校与银行紧密合作，培养理论与实践相结合的综合型专业人才，银行内部通过传帮带模式，不断增强理财师对金融市场分析能力和理财业务实操能力。
With the rapid development of Internet finance and blockchain, commercial banks are facing the opportunities and challenges of development and transformation, the banking wealth management subsidiary has become a new growth point, which also opens up a new channel for China’s household and enterprise asset wealth management. Through the questionnaire analysis, our commercial bank financial services by the public recognition is high, but the professional ability of financial services needs to be improved, the bank financial lack of comprehensive professional personnel. The training path of financial management professionals in commercial banks includes two effective ways: university training and internal training. It needs the government to publicize the financial management concept, and provides a broad social stage for the growth of financial managers, through the close cooperation between the university and the bank, the comprehensive professional talents combining theory with practice are trained, and the financial planner’s ability to analyze the financial market and practice is constantly enhanced through the model of pass-on and guide.