G公司资产管理业务发展策略研究

发布时间：2018-06-22 07:52

本文选题：资产管理 + 创新　；参考：《吉林大学》2013年硕士论文

【摘要】：资产管理业务当下已然成为中国证券业、金融业务创新转型的突破口。资产管理业务在中国有近20年的发展历程，是伴随我国金融体制改革和与国际接轨逐渐发展起来的，具有庞大市场潜力的新兴领域，而且资产管理业务被业界公认为“永恒的蓝海”。2012年，中国财富市场总值100多亿，每年以25%的速度递增，可投资货币资产10万美的高净值人群，达280万人。中国未来资产管理市场将会是新的利润增长点，也将会是竞争最为激烈的领域。资产管理业务核心竞争力是创新。资产管理业务既有推出的理财产品，同时又针对高端客户的财富管理个性化的投资组合，这就需要管理人能够提出个性化的方案，依靠的个人智慧和经验，没有标准化的竞争模板。所以资产管理业务的核心竞争力创新，只要不断推陈出新，为客户提供更优的资产管理方案，才能在激烈的资产管理业务领域获得应有的地位。同时，资产管理业务相比较其他金融业务尚处在探索阶段，毕竟中国资产管理业务发展还刚刚起步，市场发展到成熟阶段尚需要时间。因此，我国资产管理业务的发展首要是提高质量和扩大影响。 G公司作为资产管理业务起步较早，理念相对成熟、业务覆盖广的券商已经成为中国资产管理业务的领军企业，在信息化建设、财富管理领域引领行业发展。但是，G公司在资产管理业务拓展中也面临一些问题，这些问题既有我国资产管理制度不健全，资产管理市场尚处在培育期，资产管理业务过于程式化，导致养老金等基础基金难以进入等宏观性问题。也有企业自身的微观性问题，券商创新能力不足、人员素质不高、技术平台落后等。针对G公司发展面临的这些问题，运用了SWOT分析法，对G公司资产管理业务发展中内、外部环境等要素进行了对比分析，尤其是对资产业务的无周期性判断和未来庞大的财富管理市场预期都促使G公司坚定加大资产管理业务的拓展，，这项判断具有普遍性。 G公司资产管理业务的拓展需要宏观环境更加开放和有序，可以预见，我国在资产管理市场政策上会不断完善规制，尤其是要鼓励创新上还将进一步放宽；同时，随着我国中产阶层的壮大及对财富管理的迫切需求，G公司根据自己的战略发展目标结合资产管理业务趋势金融需求产品化形式、金融电商化、金融业综合化（集成一个账户，类似招行一卡通，客户可以获得一站式金融服务，供应方需要综合业务平台，可以叠加服务），提出了互联网金融、机构金融业务及财富管理，这三个领域将会是G公司未来改革和创新的核心所在。
[Abstract]:Asset management business has become a breakthrough in the innovation and transformation of China's securities industry and financial business. Asset management business has been developing in China for nearly 20 years. It is a new field with huge market potential, which has been developed with the reform of our financial system and the integration with the world. In 2012, China's wealth market was worth more than 10 billion, increasing at a rate of 25 percent a year, and investing in currency assets at a high net worth of $100000, reaching 2.8 million people. China's future asset management market will be a new profit growth point, and will be the most competitive area. The core competence of asset management business is innovation. The asset management business not only has launched the financial management product, but also aimed at the high-end customer's wealth management individualized investment portfolio, this needs the manager to be able to propose the individualized plan, relies on the personal wisdom and the experience, There is no standardized competition template. So the innovation of the core competitiveness of asset management business, as long as the continuous innovation, to provide customers with better asset management program, in order to get its due position in the fierce asset management business field. At the same time, compared with other financial business, asset management business is still in the exploratory stage. After all, the development of asset management business in China is still in its infancy, and it still takes time for the market to develop to mature stage. Therefore, the development of asset management business in China is mainly to improve the quality and expand the impact. The securities firms with wide coverage have become the leading enterprises in asset management in China, leading the development of the industry in the field of information construction and wealth management. However, company G also faces some problems in the development of asset management business. These problems include the imperfect asset management system in China, the fact that the asset management market is still in the developing period, and the asset management business is too stylized. Lead to pension and other infrastructure funds difficult to access such macro issues. There are also microcosmic problems of enterprises, such as insufficient innovation ability, low quality of personnel, backward technology platform and so on. In view of these problems faced by G Company, SWOT analysis method is used to compare and analyze the internal and external environment in the development of asset management business of G Company. In particular, the non-cyclical judgment of asset operations and the prospect of a huge wealth management market in the future have prompted company G to firmly expand its asset management business. This judgment is universal. The expansion of asset management business in G Company needs a more open and orderly macro environment. We can foresee that our country will constantly improve the regulation on the market policy of asset management. In particular, to encourage innovation will be further relaxed; at the same time, with the growth of the middle class and the urgent need for wealth management in our country, company G will combine its strategic development objectives with the trend of financial demand for the production form of asset management business trends. Financial e-commerce, financial integration (integration of an account, similar to a card, customers can obtain one-stop financial services, suppliers need integrated business platform, can superposition services), proposed Internet finance, Corporate finance and wealth management will be at the heart of G's future reforms and innovations.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39;F272

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