兴业银行零售理财业务发展的现状及建议

发布时间：2018-01-19 08:50

本文关键词： 商业银行理财业务客户需求人才　出处：《西南交通大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着我国经济的不断发展,可供居民用于理财的财富不断增加,商业银行零售理财业务得到了迅速发展,随时利率市场化的进程不断推进,国、内外同业纷纷大力发展零售业务,对商业银行零售理财业务的发展既带来了机遇也带来了挑战。本文以兴业银行零售客户理财业务体系为研究对象,通过对大量客户调查问卷结果进行数据分析的基础上,同时通过对现行理财业务发展过程中存在的问题进行分析,提出了目前零售理财业务发展中所遇到的诸多瓶颈。如何从现有以产品销售为导向的发展模式转型为以客户服务为中心,如何培养一批专业的优秀人才为客户服务,提高客户的资产配置组合,培育一群中、高端客户,是兴业银行面临转型时期的重要法宝。本文提出了以在现有客户分层基础上增加采用客户生命周期理论来满足客户的资产配置需求,对客户进行进一步细分,大力培养和吸引专业的人才,提高兴业银行零售理财品牌等建议来应对兴业银行零售业务的转型。
[Abstract]:With the continuous development of China's economy, for the residents for financial wealth is increasing, the retail financial services of commercial banks has been developing rapidly, steadily, at any time in the process of marketization of interest rates, and outside the industry have vigorously the development of the retail business, the development of retail banking business of commercial banks has brought opportunities and challenges. In this paper, the industrial bank retail customer management business system as the research object, through the data analysis based on the results of the questionnaire on a large number of customers at the same time, through analyzing the process of the development of the current financial business problems in the analysis, put forward many bottlenecks currently encountered in the development of retail financial services.
From the existing product sales oriented transformation of development mode for customer service, how to cultivate a group of professional talents for customer service, improve the asset allocation of customers, cultivate a group of high-end customers, the industrial bank is facing important magic weapon during the transition period. This paper proposes to increase the using life cycle the theory of customer based on the existing customer segmentation to meet customer demand for asset allocation, further subdivision of customers, cultivate and attract professional talents, improve the industrial bank retail banking brand proposals to deal with the transformation of the industrial bank retail business.

【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F832.2

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