我国第三方理财公司发展模式研究

发布时间：2018-01-19 13:07

本文关键词： 第三方理财公司发展模式风险控制服务体制　出处：《西北农林科技大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着我国经济的持续向好地快速发展繁荣，人均收入水平在不断提高，，家庭和个人闲余资金都在不断的增加。但同时，老百姓可投资渠道有限，对金融知识的了解也有限，金融产品纷繁复杂，一些领域产品单一，且同质化严重，难以满足居民的投资需求，更难以形成资金的有效融通。另一方面，随着经济的飞速发展，刚性通货膨胀的伴随，老百姓用实实在在的劳动换得的财富在不知不觉中快速贬值。谁来保护民间财富，谁能为百姓财富的保值增值保驾护航？理财公司成为担负起此项重任的中间力量。第三方理财公司也就在这个时候大量涌现。第三方理财公司的出现及健康发展，有利于增添金融市场的活力，丰富金融理财产品、增加有效投资渠道，促进金融市场功能不断完善和提高资源配置效率。本文以第三方理财公司的相关理论为基础，分析介绍第三方理财公司与传统金融机构理财之间的差异，阐明第三方理财公司的优势，通过剖析我国第三方理财公司发展中存在的问题及成因，结合国外第三方理财公司发展模式先进的经验和启示，并以我国第三方理财公司发展模式SWOT分析为切入点，指出我国第三方理财公司发展模式选择上应注意的问题，探讨和研究了我国第三方理财公司发展模式的选择和创新，提出了我国的第三方理财公司创新模式能够健康良好地发展，需要不继加强高素质的人才培养，建立健全内部风险控制体系等内部机制，不继完善理财市场的法律法规建设，健全诚信体系，营造健康良好市场竞争环境等对策与建议。本文主要通过对国内外第三方理财公司发展的模式进行比较和借鉴，探讨研究适合我国第三方理财公司发展的创新模式。这个创新模式首先强调，建设一个独立运行的平台，不受金融机构销售导向影响，没有业绩压力，能站在客户立场上，从客户利益出发，独立出具理财报告，同时公司要有可执行的内控机制，借鉴其他行业和国外公司的先进管理经验，按业务的前端、中端和后端进行管理和执行三级审核制度。有了上述创新制度，公司为客户出具的理财报告将会更符合客户的利益，更加科学合理。
[Abstract]:With the continuous development and prosperity of our country's economy, the level of per capita income is increasing, and the surplus funds of families and individuals are increasing. But at the same time, the channel of investment is limited. The understanding of financial knowledge is also limited, the financial products are complicated, the products in some fields are single, and the homogeneity is serious, it is difficult to meet the investment needs of residents, and it is more difficult to form the effective financing. On the other hand. With the rapid development of economy and accompanied by rigid inflation, the common people with real labor to exchange wealth in unconsciously rapid depreciation. Who will protect folk wealth. Who can protect the people's wealth? Financial management companies have become the middle force to shoulder this important task. Third party financial companies also emerged in large numbers at this time. The emergence and healthy development of third party financial companies is conducive to increase the vitality of the financial market. Enrich financial products, increase effective investment channels, promote the continuous improvement of financial market functions and improve the efficiency of resource allocation. Based on the related theories of the third party financial management company, this paper analyzes the difference between the third party financial management company and the traditional financial institution, and clarifies the advantage of the third party financial management company. By analyzing the problems and causes of the development of the third party financial management company in China, combined with the advanced experience and inspiration of the foreign third party financial management company development model. Based on the SWOT analysis of the development mode of the third party financing company in China, the paper points out the problems that should be paid attention to in the choice of the development mode of the third party financial management company in our country. This paper discusses and studies the choice and innovation of the development mode of the third party financial management company in our country, and points out that the innovative mode of the third party financial management company in our country can develop healthily and well, and need not continue to strengthen the cultivation of high quality talents. To establish and improve internal risk control system and other internal mechanisms, not to improve the construction of financial market laws and regulations, to improve the integrity of the system, to create a healthy and good market competition environment and other countermeasures and suggestions. This article mainly through the domestic and foreign third party financing company development pattern carries on the comparison and the reference, discusses the research suits our country third party finance company development innovation pattern. This innovation pattern first emphasizes. Build an independent operating platform, free from the financial institutions sales direction, no performance pressure, can stand on the customer position, from the interests of customers, independently issued financial report. At the same time, the company should have executable internal control mechanism, learn from the advanced management experience of other industries and foreign companies, according to the front-end, mid-end and back-end of the business management and implementation of the three-level audit system. The financial report issued by the company for customers will be more in line with the interests of customers, more scientific and reasonable.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【参考文献】