光大银行北京分行个人理财产品创新研究

发布时间：2018-06-28 15:13

本文选题：个人理财 + 产品创新　；参考：《河北工业大学》2015年硕士论文

【摘要】：我国经济迅速发展,国民经济迅速提高促进了居民的个人经济水平的提高,从而为个人理财业务的办理和发展提供了良好的物质基础,慢慢健全的投资理念同样满足了该业务非常大的市场需要。在这样的背景下,居民也提升了对于资产保值以及增值的需求,成为理财业务的主要对象。另一方面,投资理财产品种类的扩大,也给投资者带来了更大选择空间,同时这些产品的高收益也激发了投资者们的高热清,对于更专业的理财服务和信息的渴望也快速高涨起来。现在,银行的个人理财市场展现出极为繁荣的势态。每一种商业银行间的竞争也是越来越激烈,商业银行开始重视新产品的开发,这对银行的发展和提高利润都有很大的影响,并且产品的创新是商业银行的核心力量。可是,每个商业银行在不断创新的时候,同样会有产品的构造过于简洁、种类不够多、同质化比较严重以及定位和定价不恰当等状况。虽然商业银行的各种理财产品兴起的不早,可是其发展频率还是比较快的。在产品持续创新的时候,出现了包括投资理念、获益构造和避免风险设计因为投资币种等在内的创新产品,具备了复杂的产品构造和丰富的投资期限,同时有个性的产品设计和具有创新理念的品牌等优点。但是慢慢的问题也就出来了,光大银行北京分行的个人理财产品开始出现产品的设计雷同、不容易满足差异性理财的需要等现象,所以光大银行北京分行一定要继续实行业务的创新,让理财者可以有更多的良好的理财产品可以选择。本文首先对商业银行个人理财产品的发展历程进行了回顾分析,概述了相关概念及创新动因,分析了创新影响。然后对光大银行北京分行个人理财产品创新现状进行了分析,如投资币种、投资期限、收益设计、产品挂钩标的、投资结构以及风险规避等创新现状,指出了其创新特点及发展趋势。其次,对光大银行北京分行个人理财产品创新中存在的问题进行了分析,如产品创新设计能力不足,包括产品创新仅是简单复制,量身定做产品有待完善,产品创新收益不尽人意;产品市场操作能力有待提升,包括市场调研力度不够,人员配置有待提升,潜在风险揭示不够透明;产品风险控制水平不高,包括风险防范能力弱,流动性风险概率较高;产品研发机制有待完善,包括产品研发管理水平不高,研发模式过于单一。最后,针对提出的这四方面问题,提出了相应的创新策略。
[Abstract]:The rapid economic development of our country and the rapid improvement of the national economy have promoted the improvement of the personal economic level of the residents, thus providing a good material basis for the management and development of personal finance business. Slowly sound investment ideas also meet the business of very large market needs. In this context, residents also raise the demand for asset preservation and appreciation, become the main object of financial business. On the other hand, the expansion of the range of investment and financial products has also given investors more choice, and at the same time, the high returns of these products have also inspired investors to have a high degree of enthusiasm. The desire for more professional financial services and information is also rising rapidly. Now, the bank's personal finance market is showing an extremely prosperous trend. The competition among commercial banks is becoming more and more fierce. Commercial banks begin to attach importance to the development of new products, which has a great impact on the development of banks and increase profits, and product innovation is the core force of commercial banks. However, when every commercial bank innovates continuously, it will also have the situation that the structure of products is too simple, the types are not enough, the homogeneity is serious, and the positioning and pricing are not appropriate. Although the commercial bank's various financial products rise late, but its development frequency is still relatively fast. When the product continues to innovate, innovative products emerge, including investment concepts, profit structures and risk-avoidance designs because of the complex product structure and rich investment duration, including investment currencies, etc. At the same time has the individuality product design and has the innovation idea the brand and so on the merit. However, slowly the problem arose. The personal financial products of Everbright Bank Beijing Branch began to have similar designs, and it was not easy to meet the needs of different financial management, and so on. So Everbright Bank Beijing Branch must continue to carry out business innovation so that wealth managers can have more good wealth management products to choose from. Firstly, this paper reviews the development of personal financial products of commercial banks, summarizes the relevant concepts and innovative motives, and analyzes the impact of innovation. Then it analyzes the status quo of innovation of personal financial management products in Everbright Bank Beijing Branch, such as investment currency, investment period, income design, product hooks, investment structure and risk aversion. The innovation characteristics and development trend are pointed out. Secondly, it analyzes the problems existing in the innovation of personal financial management products in Everbright Bank Beijing Branch. For example, the ability of product innovation design is insufficient, including the simple copy of product innovation, and the customized products need to be improved. Product innovation income is unsatisfactory; product market operation ability needs to be improved, including insufficient market research, staffing to be improved, potential risk disclosure is not transparent; product risk control level is not high, including weak risk prevention ability, Liquidity risk probability is high, product R & D mechanism needs to be improved, including product R D management level is not high, R D mode is too single. Finally, aiming at the four problems raised, the corresponding innovation strategies are put forward.
【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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