P证券公司营销人员违规代客理财行为监测的案例研究

发布时间：2018-04-29 15:37

本文选题：违规代客理财 + 监测机制　；参考：《华南理工大学》2014年硕士论文

【摘要】：部分证券营销人员在为个人投资者提供咨询服务时，会利用机会私下进行“代客理财”业务，而这种“代客理财”业务在《证券法》中是被明令禁止的。虽然证监会陆续出台了一系列法律法规来保证证券市场的规范运作和健康发展，但是由于巨大利益的驱动，以及监管方面的弱势，造成了证券营销人员违规代客理财现象的频发。本文主要研究证券公司经营中营销人员违规代客理财行为的监测问题。首先，分析P证券公司经纪业务中营销人员违规代客理财行为监测存在的问题，发现现有监测流程存在主线偏离、分工不当、监测效率欠佳的缺陷；同时，现有监测指标体系缺乏科学合理性，且实际监测中应用的监控指标又过于单一，监测范围过于狭窄。其次，对P证券公司目前对营销人员行为的监测流程体系和监测方法进行改进，将现有的以合规部门为主导的监测流程体系转变为以各营业部门为主导，明确新监测流程体系中各个部门的职责，节省人力物力，提高监测效率；对P证券公司营销人员违规代客理财行为监测指标体系进行优化，通过结合营销人员违规代客理财行为特征及监管经验，设计六个监测指标组合，由六指标组合来确定可疑客户集，新监测指标组合在P证券公司进行真实的实验验证，发现改进后的监测指标体系能在较大监测范围内更为精确地识别高风险可疑客户。最后，本文在P证券公司营销人员违规代客理财行为监测机制改进方案的基础上，针对同业营销人员违规代客理财行为监测机制从两方面给出相关建议。本文的主要贡献包括：结合P证券公司实际情况，提出监测流程优化的改进思路；通过对案例样本、历史数据的分析，，对P证券公司现有监测指标体系的优化改进，构建了六指标组合监测指标体系；将改进后的监测机制运用到P证券公司的实际监测实践当中，得到客观的实证结果；监测机制的改进成果对同业有很好的借鉴价值。
[Abstract]:Some securities marketers will take advantage of the opportunity to privately engage in "corporate finance", which is banned under the Securities Act, when advising individual investors. Although the Securities Regulatory Commission has successively issued a series of laws and regulations to ensure the normative operation and healthy development of the securities market, however, because of the drive of huge interests and the weakness of supervision, Security marketers caused frequent financial irregularities on behalf of the phenomenon. This paper mainly studies the monitoring of the financial behavior of the marketing personnel in the operation of securities companies. First of all, the paper analyzes the problems existing in the monitoring of the transgressive financial behavior of the marketers in the brokerage business of P Securities Company, and finds that the existing monitoring process has the defects of deviation of the main line, improper division of labor and poor monitoring efficiency; at the same time, The existing monitoring index system lacks scientific rationality, and the monitoring index used in actual monitoring is too single and the monitoring scope is too narrow. Secondly, we improve the current monitoring process system and monitoring method of marketing personnel behavior of P Securities Company, and transform the existing monitoring process system, which is dominated by compliance department, into one dominated by various business departments. Clarify the responsibilities of each department in the new monitoring process system, save manpower and material resources, improve the monitoring efficiency; By combining the characteristics of financial management behavior and supervision experience, six monitoring indexes are designed to determine the suspicious customer set. The new monitoring index combination is verified by real experiments in P Securities Company. It is found that the improved monitoring index system can more accurately identify high risk suspicious customers within a larger monitoring range. Finally, on the basis of the improvement scheme of P securities company marketers' financial behavior monitoring mechanism, this paper puts forward the relevant suggestions from two aspects for the peer marketers' illegal financial management behavior monitoring mechanism. The main contributions of this paper are as follows: according to the actual situation of P Securities Company, the paper puts forward the idea of improving the monitoring process optimization; through the analysis of case samples and historical data, the paper optimizes and improves the existing monitoring index system of P Securities Company. This paper constructs a six-index combination monitoring index system; applies the improved monitoring mechanism to the actual monitoring practice of P Securities Company and obtains the objective empirical results. The improved results of the monitoring mechanism have a good reference value to the same industry.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F274;F832.39

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