建行哈尔滨市K支行个人理财业务研究

发布时间：2018-01-07 09:21

本文关键词：建行哈尔滨市K支行个人理财业务研究　出处：《哈尔滨工业大学》2015年硕士论文　论文类型：学位论文

【摘要】：我国近年来一直保持了较高的经济发展速度,随之而来的是较高的通货膨胀,银行的利率水平显然抵御不了通胀给客户带来的资产缩水。一方面,是大量资金找不到产品,急于寻找投资渠道;一方面,是银行监管对银行业务的严格监管,严格控制贷款的比率。个人理财业务属于银行表外业务,在很大程度上可以避免监管机构的监管,并且能够吸收大规模的的资金,这样的设置,最终的结果就是通过改变银行的运行模式将我国银行的获利进行了深层次的提高。客户在购买理财产品的过程中,也享受到了普遍比定期存款稍高一些的稳定收益,因此,个人理财业务迅速发展,建行哈尔滨市K支行的个人财业务也得到了快速的发展。本文研究的主要目的和实际意义是能够为哈尔滨市建行K支行的个人理财业务发展起到切实的指导意义,提出有建设性的建议,从而使哈尔滨市建行K支行的个人理财业务健康持续发展。本文将个人理财业务的概念、分类、发展作为出发点,总结出外国商业银行在个人理财业务发展中的先进经验,然后分析了建行哈尔滨市K支行的个人理财业务现状。对哈尔滨市建行K支行的客户群体和周边金融机构进行细致地分析,对该行的全口径存款、各项贷款、中间业务收入、资产质量、经营效益、个人理财业务进行了系统地分析,并通过分析提出了哈尔滨市建行K支行在个人理财业务发展中存在的一系列问题。具体有支行个人理财产品和存款发展遇到瓶颈,中间业务收入同比下降,客户关系管理等系统应用不充分,员工整体素质和风险控制工作有待加强,对公业务萎缩影响支行整体效益和客户拓展,并且深入分析这些问题的原因。然后抓住主要矛盾,将困难个个击破,提出解决这些问题的对策,即抓好资金流、做好客户维护和拓展,服务监管机构和行内制度的相关规定,加强理财经理队伍和渠道建设这五大对策,对于哈尔滨市建行K支行个人理财业务的健康持续发展有重要的理论指导作用和现实意义。
[Abstract]:China has maintained a high economic development rate in recent years, followed by a higher inflation, the interest rate level of the bank obviously can not resist the inflation of the assets of customers. On the one hand. Is a lot of money can not find products, eager to find investment channels; On the one hand, bank supervision is the strict supervision of banking business, strict control of the ratio of loans. Personal finance business belongs to the bank off-balance sheet business, to a large extent, can avoid the supervision of regulatory bodies. And can absorb large-scale funds, such a setting, the final result is to change the operation mode of the bank will be our country's banks to make a deep increase in profit. Customers in the process of purchasing financial products. Also enjoyed a slightly higher than the general time deposit a little more stable income, therefore, the rapid development of personal finance business. The personal finance business of K branch of CCB has also been developed rapidly. The main purpose and practical significance of this paper is to play a practical guiding role in the development of personal finance business of K Branch of Construction Bank of Harbin. . Put forward constructive suggestions, so as to make Harbin Construction Bank K Branch of personal finance business healthy and sustainable development. This article will personal finance business concept, classification, development as the starting point. The advanced experience of foreign commercial banks in the development of personal finance business is summarized. Then it analyzes the present situation of the personal finance business of K Branch of Construction Bank of Harbin. It makes a detailed analysis of the customer group and the surrounding financial institutions of K Branch of Harbin Construction Bank, and makes a detailed analysis of the full calibre deposit and various loans of the bank. Intermediate business income, asset quality, operating efficiency, personal financial services were systematically analyzed. And through the analysis of Harbin Construction Bank K Branch in the development of personal finance business a series of problems. Customer relationship management and other systems are not fully applied, the overall quality of staff and risk control work needs to be strengthened, the decline of public business affects the overall benefits of the branch and customer expansion. And in-depth analysis of the causes of these problems. Then grasp the main contradictions, each of the difficulties will be broken, put forward solutions to these problems, that is, to do a good job in the flow of funds, do a good job in customer maintenance and expansion. Service regulatory bodies and the relevant regulations of the industry system, strengthen the team of financial managers and channel construction of these five countermeasures. It has important theoretical guidance and practical significance for the healthy and sustainable development of the personal finance business of K Branch of Harbin Construction Bank.
【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】：2015
【分类号】：F832.2

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