我国商业银行财富管理研究

发布时间：2019-02-14 07:08

【摘要】：改革开放以来，我国经济的发展取得了辉煌的成绩。与三十年前相比，我国人民生活的水平和质量得到了大幅度的提升。作为一个强大的经济体，我国的经济水平和发展速度在新兴市场国家中是数一数二的。相信只要我国改革开放，个体经济和私营经济在我国经济发展中所占的比重就会越来越大，因此对国民经济所做出的贡献也会越来越大，尤其是在缓解就业压力方面。不仅如此，随着我国收入分配制度的日渐成熟与完善，分配格局也将越来越多元化，这会大大提升居民可支配收入的空间，加之中国人自古以来就十分重视财富的积累，所以我国居民储蓄存款存量将继续稳中有升。随着通货膨胀率和个人资产存量的不断增加，百姓将慢慢意识到实现个人财产保值与增值的重要性。相信提起“财富管理”一词，大部分人脑海中依然是一片空白，这足以说明我国老百姓普遍还未意识到理财的重要性。个人理财意识的淡薄大大阻碍了我国金融投资的发展，加之与专业投资者相比，个人在技术、信息和资金量方面完全处于弱势地位，所以个人投资往往面临着巨大的风险。专业理财这种面相大众且有商业银行支撑的服务就应运而生了。在专业结构和理财专家的帮助下，个人不但可以从容的应对投资过程中遇到的一些棘手问题，同时还能顺利实现资本的增值。从商业银行的角度看，随着我国资本账户的不断放开以及金融体制的深化发展，涌入我国的外资银行也开始逐渐增多，无论是经验方面还是技术方面，这些外资银行都有比我国商业银行优秀的地方。面对外资银行的竞争，加之传统资产负债业务基本成型，业务空间被不断压缩，以及资本收益和资金成本的增加，银行的表内业务收入也出现了大幅度的下滑。在这种情况下，商业银行只得把重心转移到开发新型业务上，于是个人财富管理业务便应运而生了，这是一种附加值高、服务对象多元化、收入稳定、业务风险小的业务。但我国的理财业务目前仍处于初级阶段，其所提供的服务与市场要求还有很大一段距离，业务发展中还有许多亟待解决的难题。鉴于此，本文将根据相关理论和国外发达国家的经验对我国个人财富管理业务的发展及其暴露出来的问题展开深入的研究，并在此基础上给出相应的解决办法，以提升我国商业银行的业务水平的管理能力，使之顺利的完成业务转型，同时，本文也可作为商业银行开展其他新业务的参考。
[Abstract]:Since the reform and opening up, China's economic development has made brilliant achievements. Compared with 30 years ago, our people's living standard and quality have been greatly improved. As a strong economy, China's economic level and speed of development is among the highest among emerging market countries. It is believed that as long as China's reform and opening up, the proportion of the individual economy and the private economy in the economic development of our country will be more and more large, so the contribution to the national economy will be more and more great, especially in alleviating the pressure of employment. Moreover, with the growing maturity and perfection of the income distribution system in our country, the distribution pattern will become more and more diversified, which will greatly enhance the space for the disposable income of the residents, and the Chinese people have attached great importance to the accumulation of wealth since ancient times. So our country resident savings deposit stock will continue to rise steadily. With the increase of inflation rate and the stock of personal assets, people will gradually realize the importance of maintaining and increasing the value of personal property. It is believed that the mention of the word "wealth management" is still a blank in most people's minds, which indicates that Chinese people generally do not realize the importance of financial management. The weak awareness of personal financial management greatly hinders the development of financial investment in China. In addition, compared with professional investors, individuals are in a weak position in technology, information and capital, so personal investment is often faced with huge risks. Professional financial management this face of the public and commercial banks to support the service came into being. With the help of professional structure and financial experts, individuals can not only deal with the thorny problems encountered in the process of investment, but also realize the capital appreciation smoothly. From the perspective of commercial banks, with the continuous liberalization of our capital account and the deepening development of the financial system, the influx of foreign banks into our country has begun to increase gradually, both in experience and in technology. These foreign banks are better than our commercial banks. In the face of the competition of foreign banks and the basic formation of traditional asset-liability business, the business space is constantly compressed, as well as the increase of capital gains and capital costs, the bank's business income in the balance sheet has also declined by a large margin. In this case, commercial banks have to focus on the development of new business, so personal wealth management business came into being, this is a high value-added, diversification of service objects, stable income, small business risk business. However, the financial management business in our country is still in its infancy, the service it provides is still a long way from the market requirement, and there are still many problems to be solved in the business development. In view of this, based on the relevant theories and the experience of foreign developed countries, this paper will carry out in-depth research on the development of personal wealth management business in China and its exposed problems, and on this basis, give the corresponding solutions. In order to improve the management ability of our country's commercial banks and make them complete the business transformation smoothly, this paper can also be used as a reference for commercial banks to carry out other new business.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

【参考文献】