交通银行湖北省分行个人理财产品市场调研报告

发布时间：2018-03-08 11:22

本文选题：交通银行湖北省分行　切入点：个人理财产品　出处：《广西大学》2013年硕士论文　论文类型：学位论文

【摘要】：商业银行个人理财业务是商业银行为满足客户的多样化的理财需求,利用客户的各项财务资源而推出的金融服务。在西方国家,个人理财业务已有悠久的的历史,个人理财业务以其批量大、风险低、经营收益稳定等特点在商业银行经营发展中占据着重要位置。我国近十几年来,商业银行理财业务得到了很大的发展,特别是近几年随着城市商业银行雨后春笋般的出现,商业银行个人理财业务发展迅猛。此外,随着经济发展,我国居民总体生活水平提高,可支配收入增加,商业银行个人理财业务迎来了难得的发展契机。可以说,谁能在个人金融业务上抢得先机,谁就能占据银行业务竞争的有利位置。然而,商业银行个人理财业务发展过快也带来了一些问题,例如盲目竞争,产品相互模仿同质性高等等。本文以交通银行湖北省分行个人理财业务的发展为例,运用了调研问卷和相关资料收集整理的研究方法,从银行品牌塑造、理财产品设计、产品营销等方面调查了交通银行湖北省分行个人理财业务存在的问题,并针对性地提出了对策,希望调研结果能为未来银行业个人理财产品的发展提供参考性建议。
[Abstract]:Commercial banks' personal finance business is a kind of financial service that commercial banks offer to meet the diversified financial needs of customers and utilize the clients' various financial resources. In western countries, personal finance business has a long history. Personal finance business plays an important role in the development of commercial banks because of its large volume, low risk, stable operating income and so on. In particular, with the emergence of urban commercial banks in recent years, the personal finance business of commercial banks has developed rapidly. In addition, with the development of the economy, the overall living standards of Chinese residents have improved, and disposable income has increased. The commercial bank personal finance business ushered in a rare opportunity to develop. It can be said that who can seize the first opportunity in personal financial business, who can occupy a favorable position in the banking business competition. The rapid development of personal finance business in commercial banks also brings some problems, such as blind competition, high homogeneity of products imitating each other, and so on. This paper takes the development of personal finance business in Hubei Branch of Bank of Communications as an example, applies the research methods of questionnaire and related data collection and collation, from the bank brand shaping, financial product design, This paper investigates the problems existing in the personal finance business of Hubei Branch of Bank of Communications and puts forward some countermeasures in order to provide some suggestions for the development of personal finance products in the banking industry in the future.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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