SHANGHAI UNIVERSITY OF FINANCE AND ECONOMICS ZHEJIANG COLLEGE本科毕业论文（设计）(2013届)题银行个人理财业务对存款的影响—一以中信银行为例系金融系专银行与国际金融学生姓名：陈翔学号：13402123指导教师：应程俏职称：助教完成时间：2017年月日成绩：银行个人理财业务对存款的影响以中信银行为例摘要：自从上世纪七八十年代以来，我国的经济发展态势一片大好，也因此，普通居民们手中可以自由支配的资产也变多了，银行针对这一局面推出了一系列的个人理财业务。这篇文章的主要内容就是对银行理财发展的现状提出一些分析，文章主要采用的方法就是SWOT分析法。本文收集了中信银行2011年第3季度至2016年第3季度的数据进行了整理，通过对数据进行单位根检验、协整检验和Granger因果检验等实证分析，论证了商业银行理财业务对存款产生的影响，并提出相关建议。关键字：个人理财；银行存款；单位根检验；协整检验；Granger因果检验The Influence of Personal FinancialManagement on Deposit-Take CITIC Bank as an exampleAbstract:In recent years,with the rapid development of economy,theincome of our residents is increasing rapidly,idle funds in the hands ofresidents is increasing,personal banking business has also greatlydeveloped.In this paper,the SWOT analysis method is used to analyzethe advantages and disadvantages of,the development of bank financing.The datas of CITIC Bank from the third quarter of 2011 to the thirdquarter of 2016 are collected,through the unit root test,cointegration testand Granger causality test,this article shows the influence of depositscommercial banks financing business,and puts forward some relevantsuggestions.Key words:personal financial management;bank deposit;unit roottest;cointegration test;Granger causality test