邯郸农行个人理财业务经营策略分析

发布时间：2018-04-21 01:28

本文选题：邯郸农行 + 个人理财　；参考：《河北工业大学》2015年硕士论文

【摘要】：改革开放以来,中国经济不断发展壮大,特别是80年代中期以后,每年都以接近8%的速度增长,在这样的大背景下,人民手中的财富越积越多,理财欲求越来越强,商业银行在个人理财业务领域有着巨大的发展空间和机遇,同时伴随着中国加入WTO后,对金融系统的逐渐开放,已有上百年理财业务经营经验的外资及合资银行进驻内陆市场,他们有着严密的风险防控体系、混业经营的便利条件、专业优质的服务人员及国际化的视野,对于刚起步的国内商业银行既是挑战也是学习的榜样。中国农业银行股份有限公司邯郸分行作为邯郸地区四大行之一,也面临着发展的机遇与挑战。本文将以中国农业银行邯郸分行为例,通过理财队伍建设、客户结构分布、理财渠道建设、理财产品种类及市场认知度这五方面分析该行理财业务经营现状,通过对经营策略的分析,找出该行目前在个人理财业务经营过程中存在的问题,通过考量分析内外部环境的制约因素,结合国内外银行的先进经验,提出邯郸农行个人理财业务经营发展的方向。
[Abstract]:Since the reform and opening up, the Chinese economy has been continuously developing and growing, especially since the mid-1980s, and it has been growing at a rate of nearly 8% annually. Against this background, the wealth in the hands of the people is accumulating more and more, and the desire for financial management is getting stronger and stronger. Commercial banks have great development space and opportunities in the field of personal finance business. At the same time, with China's entry into WTO, the financial system has gradually opened up, and foreign capital and joint venture banks with more than one hundred years of financial management experience have entered the inland market. They have a strict risk prevention and control system, the convenience of mixed operation, professional and high-quality service personnel and international vision, which is not only a challenge but also a model for the domestic commercial banks. As one of the four banks in Handan area, Handan Branch of Agricultural Bank of China is faced with opportunities and challenges. This paper will take Handan Branch of Agricultural Bank of China as an example to analyze the current situation of financial management business in Handan Branch of the Agricultural Bank of China through five aspects: the construction of financial management team, the distribution of customer structure, the construction of financial management channels, the types of financial products and the degree of market recognition. Through the analysis of the management strategy, we find out the problems existing in the process of the bank's personal financial management business at present. By considering and analyzing the restrictive factors of the internal and external environment, we combine the advanced experience of the domestic and foreign banks. Handan Agricultural Bank of personal financial management business development direction.
【学位授予单位】：河北工业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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