HB信托财富管理业务发展战略研究

发布时间：2018-01-28 07:28

本文关键词： 财富管理信托公司发展策略　出处：《华东理工大学》2017年硕士论文　论文类型：学位论文

【摘要】：2001年4月28日正式发布了《信托法》,并于2001年10月1日正式施行。信托行业在经历了一系列整顿及清理后,大大改善了信托行业的法律环境、经济环境、社会环境,因此给信托行业带来了史无前例的发展机会与挑战。同时,伴随着中国家庭财富的快速积累和理财意识的逐步深化,传统的储蓄理财方式已经不能满足理财规划,对于专业财富管理的需求也日益强烈,所以,财富管理市场的空间十分广阔。同时,财富管理的发展有助于经济转型的发展,形成具有深度、广度、多元化的资本市场体系,促进中国资本市场健康有序地发展。近几年来,尽管财富管理市场的发展不断日益的壮大,但由于我国资本市场发展起步较晚,处在初级阶段的财富管理行业,仍然存在着一些问题,不足以满足市场发展的需求。时至今日,信托公司的发展依然不均衡,营业收入严重依赖于地产及基建业务,而房地产及基础建设的发展均属于周期性很强的行业,造成信托行业利润的不稳定性与周期性。综上可以看出,信托行业实现持续稳定发展与盈利的契机是财富管理业务的不断发展与突破,促进信托行业的发展机遇。本文在研究国内外文献的基础上,借鉴国内外对于财富管理及战略管理的大量研究,以HB信托为案例,研究HB信托财富管理业务目前情况和相关问题,之后,运用SWOT分析、波特五力模型分析行业发展环境、PEST分析宏观发展环境等方法分析HB信托,同时对HB信托的财富管理业务的经营环境进行深入分析。以HB信托财富管理业务发展的经营环境分析为导向,深入研究HB信托财富管理业务的多元化战略发展以及相关的市场定位,最后,提出HB信托财富管理业务实施的保障措施。从以上论述中可以得出,根据HB信托的财富管理业务,本文提出了相关建设性的发展建议,主要包括HB信托不仅要不断壮大目标客户群,即中国高净值财富群体,同时要抓住不断提升满足家庭理财的多样性需求的发展契机,通过不断发展财富管理业务来实现行业的盈利与进步,进而提升HB信托的经营业绩水平、市场地位、品牌效应以及市场竞争力,为中国塑造最佳信托投资公司打下扎实的基础。
[Abstract]:On April 28th 2001, the Trust Law was officially issued, which was formally implemented in October 1st 2001. The trust industry has undergone a series of rectification and clean-up. The trust industry has greatly improved the legal environment, economic environment, social environment, so the trust industry has brought unprecedented opportunities and challenges. At the same time. With the rapid accumulation of Chinese family wealth and the gradual deepening of financial awareness, the traditional way of saving and financing can not meet the financial planning, and the demand for professional wealth management is increasingly strong. At the same time, the development of wealth management is conducive to the development of economic transformation, forming a deep, wide and diversified capital market system. Promote the healthy and orderly development of China's capital market. In recent years, although the development of wealth management market is growing day by day, the capital market of our country starts late and is in the initial stage of wealth management industry. There are still some problems, not enough to meet the needs of market development. To this day, trust companies are still uneven development, operating income is heavily dependent on real estate and infrastructure business. The development of real estate and infrastructure is a strong cyclical industry, resulting in trust industry profit instability and periodicity. The opportunity for the trust industry to achieve sustainable and stable development and profit is the constant development and breakthrough of wealth management business, and promote the development opportunities of trust industry. This paper is based on the study of domestic and foreign literature. Referring to a large number of studies on wealth management and strategic management at home and abroad, taking HB trust as a case, the paper studies the current situation and related problems of HB trust wealth management business, and then uses SWOT to analyze it. Porter five-force model analysis of industry development environment pest analysis of macro-development environment and other methods to analyze HB trust. At the same time, the management environment of the wealth management business of HB trust is deeply analyzed, which is guided by the analysis of the operating environment of the development of the wealth management business of HB trust. Deeply study the diversification strategy development of HB trust wealth management business and the related market positioning, finally, put forward the HB trust wealth management business implementation protection measures, from the above discussion can be drawn. According to the wealth management business of HB Trust, this paper puts forward some constructive development suggestions, mainly including HB Trust not only to expand the target customer base, that is, China's high net worth wealth group. At the same time, we should seize the opportunity to constantly improve the diversity of family financial needs, through the continuous development of wealth management business to achieve industry profitability and progress, and then improve the performance of HB trust. Market position, brand effect and market competitiveness lay a solid foundation for China to build the best trust and investment company.
【学位授予单位】：华东理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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