F银行“君盈利”个人理财产品设计方案

发布时间：2018-01-11 14:16

本文关键词：F银行“君盈利”个人理财产品设计方案　出处：《辽宁大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着我国金融市场的飞速发展，理财产品市场也成为各大商业银行竞争的重要领域之一，形形色色的个人理财产品日新月异，然而各大商业银行现有的理财产品同质性较强，模仿痕迹明显，缺乏主动创新性和个性化服务。而且目前各大商业银行大多将目标客户群体定位于以高端客户为核心的中、高端市场，普遍忽视低端客户和中低端客户。F银行作为“F市人自己的银行”，重视广阔的中低端市场的开拓，而当前F银行在理财业务方面尚有待进一步完善提高，因此，为了更好的满足F市中低端客户广泛的理财需求，设计一款具有广阔的市场发展前景的新型个人理财产品，是F银行当前亟待解决的一项问题。本文首先对于F银行的现有理财业务进行了概述，对于现有的益得利、薪获利、周添利三种理财产品进行了详尽的分析，总结其特点和不足，并在此基础上提出设计F银行“君盈利”个人理财产品。F银行“君盈利”个人理财产品是针对F市广大的中低端客户推出的浮动收益型结构化理财产品，与一揽子金融蓝筹股的表现相挂钩，并投资于票据、结构性存款和货币基金类产品、证券类投资类产品等，产品的收益与挂钩股票在产品存续期的表现的一致性挂钩，具有安全性高、投资回报率较高等特点，有效地兼顾了客户收益与安全性的双重需求。进而从产品的基本概念，包括产品的核心特征、功能以及设计理念等方面对于“君盈利”理财产品进行了详细的描述。提出了产品的设计方案，对于核心产品、产品形态和附加产品进行了详细的介绍，并总结了产品的特点与创新之处。又进一步对于产品进行了市场分析、风险与收益分析以及获利原因分析等。又在综述国内各大商业银行现有人民币理财产品现状的基础上，结合当前市场上个人理财产品的特点与“君盈利”产品进行比较，分析其特有的优势。最后，对于“君盈利”个人理财产品的推广提出了方案，，涵盖了产品的营销、技术支持和风险防范三个方面。
[Abstract]:With the rapid development of China's financial market, financial products market has become one of the important areas of major commercial banks, personal financial products of every hue change rapidly, however, the major commercial banks in the existing financial products with strong homogeneity, obvious imitation marks, lack of initiative innovation and personalized service. But at present most of the major commercial banks will target customer groups positioning in the high-end customers as the core in the high-end market, generally ignored the low-end customers and low-end customers.F bank as the "F City People's own bank, wide attention in the low-end market, and the F bank in financial business remains to be further improved, therefore, in order to better end meet the F in a wide range of customer financial needs, design a model of personal financial products has a broad market prospect, is F when the bank before the urgent A problem.
Firstly, for the F bank's existing financial services are summarized, the existing YIDELI, Zhou Tianli paid profit, three financial products are analyzed in detail, summarizes its characteristics and shortcomings, and puts forward the design of F bank personal financial products "Jun profit".F bank "Jun profit" personal financial products according to F, the majority of low-end customers launched floating income structured financial products, and a package of financial performance of blue chips linked, and invest in the bill, structured deposits and currency fund products, securities investment products, the consistency of products linked and income linked to the stock in the duration of the product performance, with high safety, higher rate of return on investment, and effectively balance the dual needs of customers benefits and safety. And then from the basic concept of products, including the core features of the product, power Can design and a detailed description of the "Jun profit" financial products. Put forward a design scheme for the products, core products, product form and additional products are introduced in detail, and summarized the characteristics and innovation of products. Further to products in the market analysis, risk and profit the reason analysis and profit analysis. And based on the major commercial banks in the domestic existing status of RMB financial products, combined with the characteristics of the current market of personal financial products and "Jun profit" products were compared, analysis of its unique advantages. Finally, the promotion of "Jun profit" of personal financial products of the proposed scheme covers the product marketing, technical support and risk prevention three aspects.

【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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