商业银行财富管理业务创新的障碍与破解——基于北上广深四个一线城市的调查

发布时间：2018-06-14 06:29

本文选题：财富管理 + 理财业务　；参考：《南方金融》2017年05期

【摘要】：近年来,发展财富管理业务已成为商业银行战略转型发展的重要突破口。对北京、上海、广州、深圳四个一线城市的调查表明,随着银行理财市场快速发展,商业银行财富管理业务创新能力不足问题日益凸显,主要表现在:组织架构上存在条块分割和多头管理现象,客户关系管理和精准化营销有待完善,财富管理人才储备不足,产品设计权限上收影响业务创新效率,财富管理业务创新的微观基础有待强化。为此,商业银行要提高财富管理业务部门的相对独立性,运用大数据技术加强客户关系管理和精准化营销,完善财富管理复合型人才储备制度,适当下放理财产品设计权限。可借助自贸区金融政策红利,挖掘金融集聚资源,夯实财富管理业务发展的微观基础。
[Abstract]:In recent years, the development of wealth management business has become an important breakthrough in the strategic transformation and development of commercial banks. A survey of four first-tier cities in Beijing, Shanghai, Guangzhou and Shenzhen shows that with the rapid development of the banking financial management market, the lack of innovative ability in the wealth management business of commercial banks has become increasingly prominent. The main manifestations are: the organizational structure of the existence of fragmentation and multiple management, customer relationship management and precision marketing needs to be improved, wealth management talent reserve is insufficient, product design authority to affect business innovation efficiency, The micro-foundation of wealth management business innovation needs to be strengthened. Therefore, commercial banks should improve the relative independence of wealth management business departments, strengthen customer relationship management and precision marketing by using big data technology, perfect the wealth management compound talent reserve system, and appropriately devolve the right to design financial products. Financial policy dividend can be used to excavate the resources of financial agglomeration and consolidate the micro foundation of wealth management business development.
【作者单位】：华南理工大学经济与贸易学院;中国工商银行广东自由贸易试验区南沙分行;
【基金】：教育部人文社会科学研究一般项目《中国制造业进出口上市企业外汇风险暴露研究》(项目编号:13YJC630038) 广州市哲学社科规划项目《金融产业集群视角下广州财富管理中心形成演化机制研究》(项目编号:N5130370) 广州市人文社会科学重点研究基地——金融服务创新与风险管理研究基地的资助
【分类号】：F832.2

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