A银行个人理财业务发展策略研究
发布时间：2019-04-11 07:18
【摘要】：在金融行业改革浪潮的不断推动下，银行的个人理财业务由于收益率高和买卖灵活等优点而逐渐受到广大客户的追捧，从而成为各商业银行增加中间业务收入的主要途径之一。 本文在研究目的及研究意义的基础上，提出了论文研究的总体思路、研究框架及研究方法。通过对个人理财业务基本概念及基本原理的分析，概括了A银行在经历了“网点改造”、“私人银行”两个阶段的转型以后，由原来的以储蓄业务为主转变为以理财业务为主的新型商业银行的现状。通过研究认为，A银行目前在产品、服务、战略营销及法律意识等方面还存在一定问题。本文结合A银行的实际情况，总结A银行现阶段面临的机遇与挑战，并在此基础上，提出了A银行个人理财业务发展的合理化建议。
[Abstract]:With the continuous promotion of the financial industry reform, the personal financial services of banks have been gradually sought after by customers due to the advantages of high yield and flexible buying and selling, which has become one of the main ways for commercial banks to increase the income of intermediate business. On the basis of the purpose and significance of the research, this paper puts forward the general idea, research framework and research method of the paper. Based on the analysis of the basic concept and principle of personal finance business, this paper summarizes the transformation of bank A after the transformation of "branch transformation" and "private bank". From the original savings-oriented business to the financial business-based new-type commercial banks. According to the research, Bank A still has some problems in product, service, strategic marketing and legal consciousness. Combined with the actual situation of bank A, this paper summarizes the opportunities and challenges faced by bank A at present, and on this basis, puts forward some reasonable suggestions for the development of personal finance business of bank A.
【学位授予单位】：黑龙江大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33
本文编号：2456197
[Abstract]:With the continuous promotion of the financial industry reform, the personal financial services of banks have been gradually sought after by customers due to the advantages of high yield and flexible buying and selling, which has become one of the main ways for commercial banks to increase the income of intermediate business. On the basis of the purpose and significance of the research, this paper puts forward the general idea, research framework and research method of the paper. Based on the analysis of the basic concept and principle of personal finance business, this paper summarizes the transformation of bank A after the transformation of "branch transformation" and "private bank". From the original savings-oriented business to the financial business-based new-type commercial banks. According to the research, Bank A still has some problems in product, service, strategic marketing and legal consciousness. Combined with the actual situation of bank A, this paper summarizes the opportunities and challenges faced by bank A at present, and on this basis, puts forward some reasonable suggestions for the development of personal finance business of bank A.
【学位授予单位】：黑龙江大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33
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