我国第三方理财发展研究

发布时间：2018-09-14 20:05

【摘要】：随着国内经济的发展和人们收入水平的提高,人们拥有财富的数量也在逐年增加。但同时,国内经济社会又面临着经济环境不稳定、通货膨胀率持续攀升、人口老龄化趋势加重等诸多现实问题,为了让财富保值增值人们开始寻找投资理财的渠道。随着市场上投资理财需求的提升,理财行业迎来了前所未有的发展机遇。2003年以来,第三方理财公司作为国内新兴的理财机构发展十分迅速,截止目前国内已经有上万家第三方理财机构。第三方理财的出现,不仅有助于拓展人们的理财渠道,还有利于提升理财行业的服务质量。不过,国内第三方理财快速发展的同时也产生了一系列问题,例如监管不到位、市场竞争无序、理财人才缺乏等等。这些问题的存在都在一定程度上制约着第三方理财持续健康地发展,有必要尽快研究加以解决。本文研究我国第三方理财发展,采用SWOT分析法对国内第三方理财发展进行全方位梳理,侧重分析国内第三方理财发展存在的问题及其成因,同时借鉴美国和日本第三方理财发展成熟的经验,提出国内第三方理财发展的建议和对策。总而言之,本文希望通过对第三方理财发展的研究,有助于增进人们对第三方理财的认识,有助于促进国内第三方理财长远发展。
[Abstract]:With the development of domestic economy and the improvement of people's income, the amount of people's wealth is increasing year by year. But at the same time, the domestic economy and society are faced with many practical problems, such as unstable economic environment, rising inflation rate, increasing trend of aging population, and so on. In order to keep and increase the value of wealth, people begin to look for the channel of investment and financial management. With the increasing demand for investment and financial management in the market, the financial management industry has ushered in unprecedented opportunities for development. Since 2003, third-party financial management companies have developed very rapidly as new financial institutions in China. Up to now, there are tens of thousands of third-party financial institutions in China. The appearance of third party financial management not only helps to expand people's financial channels, but also promotes the service quality of financial management industry. However, the rapid development of third party financial management in China has also produced a series of problems, such as inadequate supervision, disordered market competition, lack of financial talents and so on. The existence of these problems to some extent restricts the development of third-party financial management, it is necessary to study and solve them as soon as possible. This paper studies the development of third party financial management in China, and analyzes the problems and causes of the development of third party finance in China by means of SWOT analysis. At the same time, we draw lessons from the mature experience of the third party financial management in the United States and Japan, and put forward some suggestions and countermeasures for the development of the third party financial management in China. In a word, this paper hopes that the research on the development of third party financial management will help to enhance people's understanding of third party financial management and promote the long-term development of third party finance in China.
【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】：F832.48

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