工商银行准中产阶级客户的投资理财策略

发布时间：2018-01-21 03:28

本文关键词： 理财规划个人理财准中产阶级工商银行　出处：《东北大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着社会财富的快速增长,人们对于投资理财的意识不断的提高。人们手中闲置的资金、存在银行里的存款、积攒的购房购车款和养老金等等都不知道应该怎样才能实现保值增值,“你不理财,财不理你”已成为挂在众人嘴边的口头禅。但是大多数人对理财的认识还停留在投资赚钱的初级层面。其实,真正意义上的理财应该是一项系统的规划和执行的过程,应贯穿人的一生,立足于人生的整体规划。随着目前我国“70后”、“80后”的成长,已逐渐成为社会的主要力量,同时也成为商业银行的重要个人客户。这群人的年可支配收入逐年增长,同时医疗、养老、子女教育、住房等事件成了热点话题,这些准中产阶级的“70后”、“80后”人群面临着进行个人／家庭理财的硬性需求,准中产阶级客户成为银行理财的主要客户,同时也为银行带来了丰厚利润。但是,目前工商银行丰富的金融产品和服务并没有进行个性化的细分,面对不同的客户群依然提供着同质的产品和服务,不能满足客户个性化的需求,甚至造成了客户的流失。本文研究的目的是通过为准中产阶级客户制定一套适合其特点的投资理财策略,培养其理财意识,帮助准中产阶级实现其个人和家庭的理财生活目标,以更好的专业性和金融服务维护好工商银行的重要客户群——准中产阶级客户,为工商银行的理财业务走向个性化提供方案。本文根据准中产阶级客户的特点,首先,通过问卷调查分析,总结出准中产阶级的金融行为特征；其次,对目前市场上的理财产品进行分析,结合准中产阶级客户的理财需求和现状,总结出工商银行准中产阶级客户的投资理财策略,并以实例进行说明分析。
[Abstract]:With the rapid growth of social wealth, people's awareness of investment and financial management continues to improve. The accumulated purchase car funds and pensions and so on do not know how to achieve value preservation and appreciation, "you do not finance." It has become a popular mantra. But most people's knowledge of financial management is still at the bottom of the spectrum of investing and making money. The real financial management should be a process of systematic planning and execution, which should run through one's life and be based on the whole plan of life. At present, the growth of "post-70s" and "post-80s" has gradually become the main force of society, but also become an important individual customer of commercial banks. The annual disposable income of this group of people is increasing year by year. At the same time, medical care, old-age care, child education, housing and other events have become a hot topic, these quasi-middle class "after 70", "80" people are facing the hard demand for personal / family financial management. Quasi-middle-class customers have become the main clients of banking wealth management, but also brought huge profits for banks. However, the current ICBC rich financial products and services have not been personalized segmentation, facing different customer groups still provide homogeneous products and services, can not meet the personalized needs of customers. Even caused the loss of customers. The purpose of this study is to develop a set of investment and financial management strategies suitable for the characteristics of quasi-middle class customers, to cultivate their financial awareness, and to help the quasi-middle class achieve their personal and family financial life goals. To better professional and financial services to maintain ICBC's important customer base-quasi-middle class customers, for ICBC's financial services towards personalized program. According to the characteristics of the quasi middle class customers, firstly, through the questionnaire survey analysis, summed up the financial behavior characteristics of the quasi-middle class; Secondly, this paper analyzes the current market financial products, combined with the financial needs of quasi-middle-class customers and the current situation, summarizes ICBC quasi-middle-class customers' investment and financial management strategy, and illustrates the analysis with an example.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F274;F832.2

【共引文献】