我国第三方理财机构的赢利模式研究
发布时间：2018-08-08 21:23
【摘要】：第三方理财机构，以其站在客户角度独立地分析客户财务状况和理财需求，判断所需投资工具，并提供综合性的理财规划服务的独特服务模式，在欧美国家早已成为理财市场不可或缺的一部分。然而，，我国第三方理财机构历经近十年的发展始终难以形成规模。究其原因，其一在于第三方理财市场在我国远未开发；其二，第三方理财缺乏业内相关法律法规扶持与监管，导致该行业难以获得客户信任，发展举步维艰。因此，如何开发第三方理财机构在我国的市场，以及在中国特色的国情下找到适合第三方理财机构发展的新途径成为了一个亟待解决的任务。 本论文基于基本面分析法，在宏观经济层面、行业层面、公司战略层面及政策层面找到了影响第三方理财经营状况与盈利能力的恰当指标，依据层次分析法构建了相应的评价指标体系。通过向专家发放调查问卷的方式，获取了相应指标的权重值与打分，在对问卷数据进行处理之后，通过对问卷和客观事实的详尽分析对指标体系内各数据进行了充分的解读，进而设计出一条适合我国第三方理财机构的加速发展与提升赢利能力的行业发展路径。同时，针对中国现阶段国情，发掘第三方理财机构与政府合作的新赢利点，并对于第三方理财机构在政府扶持下对特殊人群、特殊资金提供理财规划服务的模式进行了构架与探讨。
[Abstract]:Third-party financial institutions independently analyze clients' financial situation and financial needs from the perspective of customers, judge the investment tools needed, and provide a unique service model for comprehensive financial planning services. In Europe and the United States has become an indispensable part of the financial market. However, the third-party financial institutions in China have been difficult to form scale after nearly 10 years of development. The reason lies in the fact that the third party financing market is far from being developed in our country. Second, the third party financial management lacks the support and supervision of relevant laws and regulations in the industry, which makes it difficult for the industry to gain customer trust and develop in a difficult way. Therefore, how to develop the market of third-party financial institutions in our country and find a new way suitable for the development of third-party financial institutions with Chinese characteristics has become an urgent task to be solved. Based on the fundamental analysis, this paper finds the appropriate indicators to affect the third party's financial management and profitability at the macroeconomic level, industry level, corporate strategy level and policy level. According to the analytic hierarchy process, the corresponding evaluation index system is constructed. By issuing questionnaires to experts, the weights and scores of the corresponding indicators are obtained. After processing the questionnaire data, the data in the index system are fully interpreted through the detailed analysis of the questionnaire and objective facts. Then it designs an industry development path suitable for the third party financial institutions in China to accelerate the development and enhance the profitability of the industry. At the same time, in view of the current situation in China, we will explore new profit points for third-party financial institutions to cooperate with the government, and for third-party financial institutions to special people with the support of the government. The special fund provides the financial management planning service pattern to carry on the frame and the discussion.
【学位授予单位】：北京化工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39
本文编号：2173078
[Abstract]:Third-party financial institutions independently analyze clients' financial situation and financial needs from the perspective of customers, judge the investment tools needed, and provide a unique service model for comprehensive financial planning services. In Europe and the United States has become an indispensable part of the financial market. However, the third-party financial institutions in China have been difficult to form scale after nearly 10 years of development. The reason lies in the fact that the third party financing market is far from being developed in our country. Second, the third party financial management lacks the support and supervision of relevant laws and regulations in the industry, which makes it difficult for the industry to gain customer trust and develop in a difficult way. Therefore, how to develop the market of third-party financial institutions in our country and find a new way suitable for the development of third-party financial institutions with Chinese characteristics has become an urgent task to be solved. Based on the fundamental analysis, this paper finds the appropriate indicators to affect the third party's financial management and profitability at the macroeconomic level, industry level, corporate strategy level and policy level. According to the analytic hierarchy process, the corresponding evaluation index system is constructed. By issuing questionnaires to experts, the weights and scores of the corresponding indicators are obtained. After processing the questionnaire data, the data in the index system are fully interpreted through the detailed analysis of the questionnaire and objective facts. Then it designs an industry development path suitable for the third party financial institutions in China to accelerate the development and enhance the profitability of the industry. At the same time, in view of the current situation in China, we will explore new profit points for third-party financial institutions to cooperate with the government, and for third-party financial institutions to special people with the support of the government. The special fund provides the financial management planning service pattern to carry on the frame and the discussion.
【学位授予单位】：北京化工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39
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本文编号：2173078
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