中国工商银行YL分行个人理财业务发展研究

发布时间：2019-04-18 12:48

【摘要】：随着我国收入分配的改革,个人的财富日益增多,个人储蓄也呈现出不断增长的态势。随着人们理财观念的不断更新和各种科学技术手段的革新,个人理财服务存在着很大的利润空间。在这种背景之下,各银行都将个人理财业务作为占领市场份额,增长利润的主要业务策略。个人理财业务是人们财富增长,储蓄增高的情况下而出现的一种金融新产品,简单而言就是帮个人的财富进行科学有效的分配和投资,进行科学的保值和增值规划。人们的财富增加到达一个度时,他们就更加关心如何能够将手中所持有的财富有效的进行投资和分配,以实现财富的更大积累。按照市场运行规律,有需求就会有供给。由于目前个人理财市场有着巨大的潜力需求,因而各商业银行都新推出各种个人理财产品,扩展个人理财业务,在个人理财方面展开了创新金融产品以及扩展高端客户群体等方面激烈的竞争。在此种背景下,作为金融市场中一员的工商银行也积极推出自己的个人理财产品,打造个人理财业务品牌,整合服务和产品,积极投入到个人理财业务市场中的竞争,以便抢占先机,不断壮大自己的实力。本文综合定性和定量的研究方法,将中国工商银行YL分行作为研究对象,通过SWOT分析,借鉴国内外商业银行个人理财的经验,探讨了YL分行个人理财业务发展的对策和战略。第一章介绍了选题的背景和意义,文献综述,并且分析了结构思路和主要研究内容。第二章是商业银行个人理财业务相关理论分析。第三章是关于中国工商业银行个人理财业务的发展和必要性分析。第四章是中国工商银行YL分行个人理财业务的SWOT分析,第五章是中国工商银行YL分行个人理财业务发展存在的问题及战略规划。第六章在前五章分析的基础之上,从营销渠道的构建、组织结构的优化、客户关系管理的优化、理财观念的更新和理财产品的创新等诸多方面提出了工商银行YL分行个人理财业务发展的对策和建议。
[Abstract]:With the reform of income distribution in China, personal wealth is increasing day by day, and personal savings are also increasing. With the renewal of people's financial management concept and the innovation of all kinds of scientific and technological means, there is a great profit space for personal financial services. Against this background, banks use personal finance as the main business strategy to capture market share and increase profits. Personal finance business is a new financial product with the increase of people's wealth and savings. In short, it is to help individuals to allocate and invest their wealth scientifically and effectively, and to carry on the scientific plan of preserving and increasing value. When people's wealth increases to one degree, they are more concerned about how to effectively invest and distribute the wealth held in their hands in order to achieve greater accumulation of wealth. According to the law of market operation, there will be supply when there is demand. As there is a huge potential demand in the personal finance market at present, various commercial banks have launched various new personal financial products and expanded their personal financial services. In personal finance launched innovative financial products and expand the high-end customer group and other aspects of fierce competition. Under this background, ICBC, as a member of the financial market, has also actively launched its own personal finance products, created personal finance business brands, integrated services and products, and actively engaged in the competition in the personal finance business market. In order to seize the opportunity to continue to strengthen their own strength. This paper takes YL Branch of Industrial and Commercial Bank of China as the object of study, using the experience of domestic and foreign commercial banks for reference through SWOT analysis, and probes into the countermeasures and strategies for the development of personal finance business of YL Branch in the light of qualitative and quantitative research methods. The first chapter introduces the background and significance of the topic, literature review, and analysis of the structure and main research content. The second chapter is the commercial bank personal finance business related theory analysis. The third chapter is about the development and necessity of personal finance business of China Industrial and Commercial Bank. The fourth chapter is the SWOT analysis of the personal finance business of the YL branch of ICBC. The fifth chapter is the problems and strategic planning of the development of the personal finance business of the YL branch of the Industrial and Commercial Bank of China. The sixth chapter is based on the analysis of the first five chapters, from the construction of marketing channels, the optimization of organizational structure, the optimization of customer relationship management, The renewal of the concept of financial management and the innovation of financial products put forward the countermeasures and suggestions for the development of personal financial services of ICBC YL Branch.
【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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