H银行高端客户理财业务研究

发布时间：2018-04-03 22:38

本文选题：H银行　切入点：高端客户　出处：《中国海洋大学》2014年硕士论文

【摘要】：近几年来，随着全球经济的飞速发展，个人财富都在不断的积累，现在人们越来越看重家庭财产的合理分配，则理财逐渐成为热门话题，因此，各大商业银行纷纷推出各种形式的金融产品。其中，由于中资银行在理财服务领域起步较晚、经验较少，其主要面临的问题是和成熟发达国家的外资银行竞争以及自身业务的拓展，，因此在最近几年中，中资银行陆续成立了贵宾理财中心、私人银行等。与此同时，外资银行在理财服务领域有着较为丰富的经验，推出了诸如结构性投资产品、代客境外理财之开放式海外基金等的可以满足客户多种需求的产品，收益稳定、期限多样，很具竞争力。而其在中国发展也遇到了很多限制。在这种大背景下，各个银行在高端客户理财方面，如何接受各种挑战，以找到正确发展未来的方向，成为他们亟待解决的首要问题。本文运用国内外各大商业银行在战略管理方面，以及其市场营销等方面的相关理论，分析了国内外各大商业银行的理财业务现状，尤其针对商业银行的高端客户理财业务的发展战略及产品服务特色等进行系统分析，采取实证研究方法。从H银行高端客户理财业务的管理模式、产品分析以及财富规划思路入手，对H银行高端客户理财业务的发展进行了分析和研究，对存在的优势和劣势进行了比较和阐述，同时借鉴国内外其他商业银行个人理财业务的发展理念和实战经验，依据我国国情，并针对高端客户的实际现状提出H外资银行发展国内高端客户理财业务的相关建议及发展策略。根据本次调查和研究，H银行高端理财业务应针对境内商业银行个人理财业务发展不足的现状，结合国内投资者数量多、财富增长速度加快以及对理财需求增大、风险认识提高的优势，全面开展个人理财业务和服务中加强客户关系管理、加强银行专业化理财人员队伍的建设。
[Abstract]:In recent years, with the rapid development of the global economy, personal wealth is constantly accumulating. Now people pay more and more attention to the rational distribution of family property, so financial management has gradually become a hot topic.Major commercial banks have introduced various forms of financial products.Among them, due to the late start and less experience of Chinese banks in the field of financial services, the main problems they face are competition with foreign banks in developed countries and expansion of their own business. Therefore, in recent years,Chinese banks have set up VIP banking centers, private banks and so on.At the same time, foreign banks have rich experience in the field of financial management services. They have introduced products such as structured investment products, open-end overseas funds for overseas financial management, and so on, which can meet the needs of their clients. The returns are stable.The term is varied, very competitive.And its development in China also encountered a lot of constraints.Under this background, how to accept all kinds of challenges to find the correct direction of future development has become the most important problem to be solved.This paper analyzes the present situation of domestic and foreign commercial banks' financial management business by using the relevant theories of strategic management and marketing of the major commercial banks at home and abroad.Especially in view of the development strategy and product service characteristics of the high-end customer financing business of commercial banks, the empirical research method is adopted.Starting with the management mode, product analysis and wealth planning of the high-end customer finance business of H Bank, this paper analyzes and studies the development of H bank's high-end customer finance business, and compares and expounds the advantages and disadvantages.At the same time, drawing lessons from other commercial banks at home and abroad, personal finance business development concept and practical experience, according to our national conditions,According to the actual situation of high-end customers, the paper puts forward the relevant suggestions and development strategies of H foreign banks to develop domestic high-end customer financing business.According to this investigation and study, we should aim at the underdevelopment of personal finance business of domestic commercial banks, combine with the large number of domestic investors, accelerate the speed of wealth growth and increase the demand for financial management.Strengthen the customer relationship management in the personal finance business and service, strengthen the construction of the bank specialized financial personnel team.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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