工行HS支行个人理财业务发展研究

发布时间：2018-08-26 14:30

【摘要】：近年来，随着我国经济的稳定持续发展，居民的整体收入有了质的飞跃。老百姓富起来，其对物质文化生活也有了新的要求。国内的居民财富的迅速增长，让他们逐步开始接受理财的观念，也希望通过专业机构来满足他们对财富保值增值的愿望。于是，个人理财业务以其资源广、风险低、易操作、收益稳定成为了银行新的利润增长点。本文针对工行HS支行开展个人理财业务中存在的问题进行了系统的分析研究，并结合实际设计出一套合理的执行方案来优化该支行个人理财业务的实际工作。首先，本文简述了选题背景和意义、个人理财的概念，以及国内外商业银行个人理财业务开展的历史阶段。其次，简述了工行HS支行内部的基本情况、支行在市场上主要发售的理财产品种类及其风险等级。再次，结合工行HS支行的实际情况，通过合理规划理财市场定位、分析客户群体特点、总结业务发展现状，进而确定该行在理财业务开展中所具备的优势、面临的机会、存在的劣势和竞争的威胁。最后，针对上述存在的问题，主要从加强升级支行网点建设、积极引导全员树立理财意识、多元化提升理财师队伍的管理和开拓优化市场营销组合这四个方面入手，为HS支行量身制定有效的改革措施，来完善和强化工行HS支行个人理财业务的发展工作，紧贴市场及客户需求，努力打造出卓越的银行个人理财业务品牌。
[Abstract]:In recent years, with the steady and sustainable development of our economy, the overall income of residents has made a qualitative leap. People become rich, its material and cultural life also has new requirements. The rapid growth of the wealth of domestic residents makes them gradually begin to accept the concept of financial management, but also through professional institutions to meet their desire to maintain and increase wealth. As a result, personal finance business has become a new profit growth point for banks because of its wide resources, low risk, easy operation and stable income. This paper makes a systematic analysis and research on the problems existing in the personal finance business of ICBC HS branch, and designs a set of reasonable execution plan to optimize the practical work of personal finance business of ICBC HS Branch. First of all, this paper briefly describes the background and significance of the topic, the concept of personal finance, as well as the development of domestic and foreign commercial banks personal finance business history. Secondly, the paper introduces the basic situation of ICBC's HS branch, the types of financial products sold by ICBC's HS branch in the market and its risk level. Thirdly, combined with the actual situation of ICBC HS branch, through the rational planning of financial market positioning, analysis of the characteristics of customer groups, summed up the status quo of business development, and then determine the advantages of the bank in the development of financial services, facing opportunities, Weaknesses and competitive threats. Finally, in view of the problems mentioned above, we mainly start with the four aspects of strengthening the construction of the upgrading branch network, actively guiding the whole staff to establish a sense of financial management, diversifying the management of the financial planner team and exploiting and optimizing the marketing mix. To establish effective reform measures for HS branch to perfect and strengthen the development of ICBC HS branch's personal finance business, to stick to the market and customer demand, and to make great efforts to create an outstanding brand of bank personal finance business.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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