招商银行济南分行财富管理业务竞争策略研究
发布时间：2019-02-16 15:32
【摘要】：改革开放30多年来,伴随着国家经济的快速发展,社会财富总额的大幅增长,中国已经涌现了大量的中产阶级和富裕阶层。目前中国个人总体持有的可投资资产规模达62万亿元,可投资资产1千万元以上的高净值人士数量超过50万人,整个社会对财富管理的需求越来越旺盛；同时由于近年来资本市场的持续低位震荡,房地产市场受调控政策影响交易萎缩,大量的社会财富缺少有效的投资渠道,在CPI居高不下的背景下,实现财富的保值增值就显得尤为重要,而人们对财富管理业务的需求也正日益高涨。此种情况为银行开展财富管理业务提了广阔的市场,各大银行纷纷推出具有自己特色的财富管理品牌和建立财富管理服务体系,加快发展财富管理业务的步伐。客户是财富管理业务发展的基础,为能在财富管理市场上赢得先机,个人客户尤其是高资产净值客户正成为各大银行方面竞相争夺的对象。 本文从我国财富管理业务发展入手,以招商银行济南分行财富管理业务为研究对象,在分析国内外商业银行财富管理业务现状的基础上,运用相关理论,结合自身的工作实践,利用PEST方法和竞争五力模型分别对其财富管理业务环境和行业的竞争环境进行了分析,采用SWOT方法解析该行财富管理业务在同业竞争中的优势与劣势,抓住当前面临的机遇与挑战,提出招商银行济南分行的财富管理业务发展的竞争对策,为其做大做强财富管理业务提供新的思路。通过对招商银行济南分行财富管理业务研究得出的结论具有一定的普遍性,对国内其他商业银行在现阶段发展财富管理业务具有一定的借鉴意义。
[Abstract]:After 30 years of reform and opening up, with the rapid development of national economy and the substantial increase of social wealth, a large number of middle class and rich class have emerged in China. At present, the total scale of investable assets held by Chinese individuals amounts to 62 trillion yuan, and the number of high net worth individuals with 10 million yuan or more of investable assets exceeds 500000. The demand for wealth management in the whole society is more and more vigorous. At the same time, due to the sustained low volatility of the capital market in recent years, the real estate market has been affected by the adjustment and control policies, the transactions have shrunk, and a large amount of social wealth lacks effective investment channels. Under the background of high CPI, It is very important to maintain and increase wealth value, and the demand for wealth management is rising day by day. This situation provides a broad market for banks to carry out wealth management business. Each major bank has launched its own wealth management brand and established wealth management service system to speed up the pace of the development of wealth management business. Customer is the foundation of wealth management business development. In order to win the first chance in the wealth management market, individual customers, especially high net asset customers, are becoming the competing objects of each major bank. This paper starts with the development of wealth management business in China, taking the wealth management business of Jinan Branch of China Merchants Bank as the research object, on the basis of analyzing the present situation of wealth management business of commercial banks at home and abroad, applying relevant theories and combining its own work practice. This paper analyzes the wealth management business environment and the competition environment of the industry by using the PEST method and the five competitive force model, and analyzes the advantages and disadvantages of the wealth management business in the same industry competition by using the SWOT method. Taking advantage of the opportunities and challenges faced by China Merchants Bank, this paper puts forward the competitive countermeasures for the development of wealth management business in Jinan Branch of China Merchants Bank, so as to provide a new way of thinking for the development of wealth management business in China Merchants Bank. The conclusion from the research on wealth management business of China Merchants Bank Jinan Branch is universal, and it has certain reference significance for other domestic commercial banks to develop wealth management business at the present stage.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2
[Abstract]:After 30 years of reform and opening up, with the rapid development of national economy and the substantial increase of social wealth, a large number of middle class and rich class have emerged in China. At present, the total scale of investable assets held by Chinese individuals amounts to 62 trillion yuan, and the number of high net worth individuals with 10 million yuan or more of investable assets exceeds 500000. The demand for wealth management in the whole society is more and more vigorous. At the same time, due to the sustained low volatility of the capital market in recent years, the real estate market has been affected by the adjustment and control policies, the transactions have shrunk, and a large amount of social wealth lacks effective investment channels. Under the background of high CPI, It is very important to maintain and increase wealth value, and the demand for wealth management is rising day by day. This situation provides a broad market for banks to carry out wealth management business. Each major bank has launched its own wealth management brand and established wealth management service system to speed up the pace of the development of wealth management business. Customer is the foundation of wealth management business development. In order to win the first chance in the wealth management market, individual customers, especially high net asset customers, are becoming the competing objects of each major bank. This paper starts with the development of wealth management business in China, taking the wealth management business of Jinan Branch of China Merchants Bank as the research object, on the basis of analyzing the present situation of wealth management business of commercial banks at home and abroad, applying relevant theories and combining its own work practice. This paper analyzes the wealth management business environment and the competition environment of the industry by using the PEST method and the five competitive force model, and analyzes the advantages and disadvantages of the wealth management business in the same industry competition by using the SWOT method. Taking advantage of the opportunities and challenges faced by China Merchants Bank, this paper puts forward the competitive countermeasures for the development of wealth management business in Jinan Branch of China Merchants Bank, so as to provide a new way of thinking for the development of wealth management business in China Merchants Bank. The conclusion from the research on wealth management business of China Merchants Bank Jinan Branch is universal, and it has certain reference significance for other domestic commercial banks to develop wealth management business at the present stage.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2
【参考文献】
相关期刊论文 前10条
1 魏敏;田蕾;;个人理财市场细分及客户群差异性分析[J];金融论坛;2006年10期
2 杨丽娜;;我国第三方理财路在何方[J];经营管理者;2009年20期
3 赵立航;;我国个人理财服务的历史发展[J];上海经济研究;2007年03期
4 魏昭;曹小平;;我国商业银行个人理财业务发展分析[J];合作经济与科技;2009年02期
5 李娜;;中国银行业个人理财业务发展探析[J];经济研究导刊;2009年03期
6 戴硕;;德意志银行进军中国零售银行市场[J];金融博览(银行客户);2007年01期
7 杜晓雨;田演;;浅析我国商业银行个人理财业务的竞争策略[J];大众商务;2009年12期
8 王赛芳;;西方商业银行私人银行业务的创新发展与经验借鉴[J];特区经济;2006年06期
9 苏t，
本文编号：2424580
本文链接：https://www.wllwen.com/jingjilunwen/fangdichanjingjilunwen/2424580.html
