交通银行公司业务财富管理策略研究

发布时间：2018-03-01 21:32

本文关键词： 财富管理商业银行业务战略交通银行　出处：《兰州大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着中国经济高速增长步伐放缓及利率市场化进程加快,金融脱媒趋势愈演愈烈,商业银行近年来存款增长难度逐步加大,以吸存放贷为主的传统利润增长模式已难以为继。企业发展水平不断提升,业务规模不断扩大,业务走向世界的步伐进一步加快,高净值人士快速膨胀,为商业银行向财富管理银行转型提供了广阔的市场空间。近年来,国内各大商业银行纷纷提出打造财富管理银行的发展战略。交通银行在这一领域起步较早,构建了较为完善的业务体系和风险管理机制,但是相对于发达国家商业银行的财富管理业务水平而言,尚存在着较大的差距,在产品体系、业务机制、风险管理、系统建设、人才培养等方面还有很多需要提升和改进的地方。本文主要论述了财富管理的起源、内涵及发展现状,指出公司业务财富管理兴起的必然性。重点分析了交通银行公司业务财富管理业务发展现状、存在的问题及改进措施,并指出未来发展对策。
[Abstract]:With the rapid growth of China's economy and the acceleration of interest rate marketization, the trend of financial disintermediation has intensified, and the difficulty of deposit growth in commercial banks has gradually increased in recent years. The traditional profit growth model, which is based on sucking and depositing loans, has become unsustainable. The level of development of enterprises has been continuously improved, the scale of business has been continuously expanded, the pace of business to the world has been further accelerated, and the high net worth people have expanded rapidly. In recent years, domestic commercial banks have put forward the development strategy of building wealth management banks. The Bank of Communications started early in this field. Compared with the wealth management business level of commercial banks in developed countries, there is still a big gap in the product system, business mechanism, risk management, system construction. Talent training and other aspects of the need to promote and improve a lot of places. This paper mainly discusses the origin, connotation and development status of wealth management, points out the inevitability of the rise of company business wealth management, emphatically analyzes the present situation, existing problems and improvement measures of the business wealth management business of Bank of Communications Company. And points out the future development countermeasure.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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