A银行个人理财产品特征分析及产品结构研究

发布时间：2018-08-28 17:09

【摘要】：伴随着我国的社会经济的不断推进,同时国内金融行业的也越来越成熟,老百姓们对银行的个人理财产品不再陌生。A银行作为一家外资法人银行,所面对的市场竞争越来越激烈,因此应当通过更多的研究市场及客户,总结经验,从而不断优化理财产品的结构,以满足客户不断个性化的需求。本文首先介绍了A银行的个人理财产品状况,然后在理财产品的种类、理财产品的收益、理财产品的客户群体三个方面进行了定性和定量描述和分析,接下来通过SWOT模型对A银行的竞争力进行了分析,对A银行理财产品未来的发展趋势进行了探讨。通过分析和探讨,对A银行个人理财产品发展的给出以下建议:满足监管的规定,合法合规设计并销售理财产品;基于母行和集团资源,最大化利用产品设计的先天优势;充分了解客户需求,结合本地市场特征调整产品策略;总结理财产品经验,优化产品自身结构;加强风险管理,最小化风险带来的损失;加强投资团队建设,以国际视野钻研本地市场;推动产品创新,促进行业良性竞争,做大理财市场;优化系统平台,充分利用高科技手段;加强营销团队建设,规范销售,创建共赢的可持续发展模式。
[Abstract]:With the social and economic development of our country, the domestic financial industry is becoming more and more mature. The common people are no longer unfamiliar with the personal financial products of banks. Bank A is a foreign-funded legal person bank. The market competition is becoming more and more fierce, so we should study the market and customers more and more, sum up the experience, so as to optimize the structure of financial products constantly to meet the needs of customers. This paper first introduces the status of personal financial products in Bank A, and then describes and analyzes them qualitatively and quantitatively in three aspects: the types of financial products, the income of financial products, and the customer groups of financial products. Then, the competitiveness of bank A is analyzed by SWOT model, and the development trend of bank A financial products in the future is discussed. Through analysis and discussion, this paper gives the following suggestions to the development of personal financial products of Bank A: to meet the regulations of supervision, to design and sell financial products legally and legally, to maximize the advantages of product design based on parent bank and group resources; Fully understand customer needs, adjust product strategy according to local market characteristics, sum up financial product experience, optimize product structure, strengthen risk management, minimize risk loss, strengthen investment team building, Study the local market from an international perspective; promote product innovation, promote healthy competition in the industry, expand the financial management market; optimize the system platform and make full use of high-tech means; strengthen the construction of marketing teams and standardize sales, Create a win-win sustainable development model.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【相似文献】