D银行“明珠理财”F理财产品设计方案

发布时间：2018-02-09 21:17

本文关键词： F理财产品客户需求产品创新　出处：《辽宁大学》2013年硕士论文　论文类型：学位论文

【摘要】：目前银行个人理财产品(下文所述银行理财产品均为个人银行理财产品)已经成为零售银行领域中不可或缺的金融工具之一。同时，伴随着全球经济的持续发展、电子信息技术、通讯科技的广泛运用以及人们追求美好生活的愿望和能力的不断提高的条件下，越来越多的人对银行个人理财产品产生兴趣，，并希望能够参与其中。银行个人理财产品的发展也从单纯的理财产品向着更多元的方向发展，多种多样的金融服务功能的出现，让理财产品迸发出勃勃生机。本文在理财产品大发展的背景下创作完成，目的是希望能够设计出一款创新型产品来更好地满足广大投资者的需求。本文共分为四个部分。第一部分是绪论部分，对选题背景与实践现状、研究意义进行了介绍，并阐述了论文的基本框架和研究路线。第二部分为背景介绍部分。背景介绍又分为两部分，一部分是对国内现有的个人理财业务发展进行了综述。另一部分是对D银行的发展历程进行了介绍，之后又对现阶段D银行理财产品的发展状况进行了介绍。第三部分为D银行F理财产品的设计。首先提出了理财产品设计应遵循的原则，接着进行了市场细分和对目标客户群的特点分析。并在此基础上依据整体产品理论的五个层次对F理财产品进行了设计。第四部分是对F个人理财产品的发行条件与产品营销提出了建议。本文立足于D银行的个人理财产品发展的具体情况和水平，在充分发挥D银行在理财产品开发中优势的条件下，在产品设计中进行创新设计，从而丰富了D银行“明珠理财”产品的产品种类，为满足客户的多种需求做更加充分的准备。
[Abstract]:At present, bank personal financial products (all of which are referred to below as personal banking products) have become one of the indispensable financial instruments in the field of retail banking. At the same time, with the continuous development of the global economy, With the wide use of electronic information technology and communication technology and the continuous improvement of people's desire and ability to pursue a better life, more and more people are interested in the personal financial products of banks. The development of personal financial products of banks has also developed from pure financial products to more than one, and the emergence of various financial service functions has made financial products burst out of vitality. The purpose of this paper is to design an innovative product to better meet the needs of the majority of investors. This paper is divided into four parts. The first part is the introduction. The background and practice of the topic are introduced, the significance of the research is introduced, and the basic framework and research route of the thesis are described. The second part is the background introduction. The background introduction is divided into two parts. Part is a summary of the development of personal finance business in China. The other part is to introduce the development of D Bank. The third part is the design of D bank F financial products. Firstly, the paper puts forward the principles that should be followed in the design of financial products. Then the market segmentation and the characteristics of the target customer group are analyzed. Based on this, the F financial products are designed according to the five levels of the overall product theory. The 4th part is the issue of F personal financial products. Suggestions are made for the marketing of parts and products. This paper is based on the specific situation and level of the development of personal financial products of bank D, under the condition of giving full play to the advantages of bank D in the development of financial products, it carries out innovative design in product design. It enriches the product types of "Pearl Financial Management" products of D Bank, and makes more preparation for meeting various needs of customers.
【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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