中国银行齐齐哈尔分行个人理财业务发展对策研究

发布时间：2019-05-13 14:41

【摘要】：改革开放以来，随着国民经济的快速发展和居民生活水平的不断提高，居民个人和家庭的资产配置多元化趋势日益明显，理财需求不断增加，个人理财业务开始进入人们的视线。近几年，随着社会经济结构的调整，商业银行经营转型的步伐加快，大力发展零售银行业务成为商业银行拓宽经营渠道、提升利润水平的重要选择。在这一背景下，商业银行个人理财业务的战略地位越来越突出。作为基层银行业机构，，如何在这种经济金融大环境下，通过大力发展个人理财业务，有效拓展经营空间，正是本文研究的立意所在。本文以中国银行齐齐哈尔分行开展个人理财业务的实际情况为基础，在借鉴国内外商业银行个人理财业务的先进理论和成熟经验的基础上，分析了中国银行齐齐哈尔分行个人理财业务现状和存在的问题，提出了发展对策。首先，要明确个人理财业务的战略地位，制定相应的发展战略和发展目标。在此基础上，通过完善组织架构，整合业务流程，拓宽销售渠道，形成有利于业务开展的运行模式。通过树立正确的营销理念，准确细分目标市场，采取多元化的营销策略，发挥出市场营销的重要作用。在风险管理方面，要建立健全内控制度，严格风险管控，积极开展从业人员职业道德教育和投资者教育。在人才培养方面，通过建立分层次、多渠道的培训制度，强化激励约束机制，积极引进稀缺人才，不断充实理财专业队伍。与此同时，加大信息科技保障力度，加强系统研发设计，对个人理财业务的深入开展提供有力的支持。
[Abstract]:Since the reform and opening up, with the rapid development of the national economy and the continuous improvement of residents' living standards, the diversification trend of individual and family asset allocation has become increasingly obvious, and the demand for financial management has been increasing. Personal financial management business began to enter people's line of sight. In recent years, with the adjustment of social and economic structure, the pace of business transformation of commercial banks has been accelerated, and the development of retail banking has become an important choice for commercial banks to broaden their business channels and improve their profit level. In this context, the strategic position of personal financial management business of commercial banks is becoming more and more prominent. As a grass-roots banking institution, how to develop personal financial management business and effectively expand the operating space in this economic and financial environment is the intention of this paper. Based on the actual situation of personal financial business carried out by Qiqihar Branch of Bank of China, this paper draws lessons from the advanced theory and mature experience of personal financial business of commercial banks at home and abroad. This paper analyzes on the present situation and existing problems of personal financial management business in Qiqihar Branch of Bank of China, and puts forward some countermeasures for development. First of all, we should make clear the strategic position of personal financial management business, formulate the corresponding development strategy and development goals. On this basis, through the improvement of the organizational structure, integration of business processes, broaden sales channels, the formation of business operations conducive to the development of the mode. Through the establishment of correct marketing concept, accurate segmentation of the target market, the adoption of diversified marketing strategy, play an important role in marketing. In the aspect of risk management, it is necessary to establish and improve the internal control system, strictly control the risk, and actively carry out professional ethics education and investor education for employees. In the aspect of talent training, through the establishment of hierarchical and multi-channel training system, strengthen the incentive and restraint mechanism, actively introduce scarce talents, and constantly enrich the financial management professional team. At the same time, strengthen the support of information technology, strengthen the research and development design of the system, and provide strong support for the in-depth development of personal financial business.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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