利率市场化下的银行财富管理业务发展研究

发布时间：2018-03-31 08:14

本文选题：利率市场化　切入点：商业银行　出处：《湖南大学》2014年硕士论文

【摘要】：随着我国利率市场化步伐加快，商业银行依靠利差收入的盈利模式难以为继。以财富管理业务为主要代表的金融业务已开始成为商业银行战略转型的主攻方向。目前我国高净值人群超过84万，持有的可投资资产将突破27万亿人民币，高净值人群的庞大规模促进了高端客户市场的形成。商业银行是高净值人群主要的财富管理机构，其庞大的客户基础、广泛分布的服务网络、丰富的理财产品是高净值人士选用商业进行财富管理的主要原因。商业银行理财产品收益与市场利率密切相关，处于财富管理“金字塔”顶端的高净值客户人群，他们对市场利率的高度敏感性将极大影响地其投资决策行为。此外，第三方财富管理机构和互联网金融产品的兴起抢占商业银行客户资源，给银行财富管理业务的发展带来严峻挑战。在这种前提下，银行要想实现业务转型，就必须将财富管理服务理念从单一的业绩导向转变成为以客户体验为中心的综合性金融咨询与服务。本文在梳理国内外相关文献及实地数据的基础上，首先清晰描述了目前利率市场化与理财产品市场发展的内在机理，分析归纳了利率市场化给商业银行财富管理业务带来的影响，具体包括银行理财市场格局变动，银行财富管理专业化转型及互联网金融企业“鲶鱼”效应倒逼利率市场化加速，形成财富管理市场上的竞争力量等。本文接着以Z银行深圳分行为例，介绍了其财富管理业务的客户现状、产品现状和营销管理现状，并深入剖析了它的竞争态势和面临的机遇和挑战。基于前文的分析，，全文最后提出了在利率市场化背景下，银行财富管理业务应以客户群精细化的管理为前提，构建专业化的财富管理营销体系，打造以客户资产配置为导向的品牌等发展建议。
[Abstract]:With the accelerating pace of China's market-oriented interest rate, commercial banks rely on interest income profit model. Difficult to continue taking the wealth management business as the main representative of the financial business has become the main direction of the strategic transformation of commercial bank. At present, China's high net worth population of more than 840 thousand, held by the investment assets will exceed 27 trillion yuan, a large scale of high net worth individuals to promote the formation of high-end customer market. The commercial bank is the main population of high net worth wealth management institutions, its huge customer base, widely distributed service network, abundant financial products is the main reason for high net worth individuals with commercial wealth management.
Commercial bank financial products revenue and market interest rates are closely related, in the wealth management "Pyramid" at the top of the high net worth customers, they are highly sensitive to market interest rates will greatly influence the investment decision-making behavior. In addition, the third party wealth management institutions and the rise of the Internet financial products to seize the commercial bank customer resources, has brought serious challenges to the development of bank wealth management business. In this context, the bank wants to achieve business transformation, it must be the wealth management service concept from a single performance oriented customer experience to become a comprehensive financial consulting and service center.
Based on the relevant literature and field data, the first clear description of the inherent mechanism of the development of interest rate marketization and financial products market, analyzes and summarizes the influence of interest rate marketization brings to the wealth management business of commercial banks, including bank financial market structure changes, the bank wealth management professional transformation and the Internet enterprise financial catfish effect forced interest rate market acceleration, the formation of the wealth management market competition strength. This thesis takes the Z bank Shenzhen branch as an example, introduces its wealth management business customer status, current situation and marketing management situation, and in-depth analysis of the competitive situation and its opportunities and challenges. Based on the above analysis, the paper puts forward under the marketization of interest rate, bank wealth management business to manage customers fine as the premise, construction Professional wealth management marketing system, and build a customer asset allocation oriented brand and other development proposals.

【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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