邮储银行资产管理业务运营模式研究

发布时间：2018-02-28 13:36

本文关键词： 邮储银行资产管理总分联动+分行自主平衡模式　出处：《东南大学》2017年硕士论文　论文类型：学位论文

【摘要】：当今我国经济转型提速,居民财富不断积累,随着金融脱媒及利率市场化的推进,资产管理业务逐渐成为银行及非银行金融机构转型的必然选择,我国大资管时代已经到来。从2014年末数据来看,资产管理业务余额达57.51万亿元,其中银行理财产品余额15万亿元,领跑资产管理业务市场,未来银行金融机构也必将在大资管时代扮演更重要的角色。邮储银行自2007年成立,经过8年的发展,逐渐蝶变为一家全国性、全功能的综合性商业银行,具有国内营业网点最多、分布最广、资金成本较低等优势。但因为银行起步较晚,各项业务发展不均衡,地域之间差异也较大,因此资产管理业务采取了"总分联动+分行自主平衡"的业务模式,赋予分行一定的自主权限,使分行能够因地制宜,制定符合自身实际的资产管理发展策略。本文共分为五个章节。第一章为导论。第二章为相关理论与文献综述,理论部分介绍了货币时间价值、投资组合理论、竞争优势理论和规模经济理论等,作为全文的理论基础。文献综述部分整合了国内外关于资产管理业务和银行理财业务相关文献,发现关于资产管理业务模式的研究相对较少,因此本文的研究具有现实意义。第三章首先介绍了邮储银行发展的历史沿革,同时分析了邮储银行资产管理业务发展的现状和存在的问题,作为本文提出问题的依据。第四章具体总结了国内外其他银行资产管理的业务模式,经过对比分析,从市场定位、组织架构、总分联动、风险控制以及产品设计与资产投向等方面该模式做了全面阐释,提出邮储银行"总分联动+分行自主平衡"等模式特点。第五章提出了邮储银行发展资产管理业务的政策建议。
[Abstract]:With the development of financial disintermediation and marketization of interest rate, asset management business has gradually become the inevitable choice for banks and non-bank financial institutions. In end of 2014, the balance of asset management business reached 57.51 tillion yuan, of which the balance of bank wealth management products reached 15 tillion yuan, leading the asset management business market. In the future, the banking and financial institutions will also play a more important role in the era of large capital management. The Postal savings Bank has been established since 2007, and after eight years of development, it has gradually turned into a national, full-function comprehensive commercial bank. It has the advantages of the largest number of domestic business outlets, the widest distribution, and the lower cost of capital. However, due to the late start of the banks, the uneven development of various businesses, and the large differences between regions, Therefore, the asset management business has adopted the business model of "total sub-linkage branch autonomous balance", giving the branch a certain autonomy limit, so that the branch can take measures according to the local conditions. This paper is divided into five chapters. The first chapter is the introduction. The second chapter is the related theory and literature review. The theoretical part introduces the monetary time value, portfolio theory, The theory of competitive advantage and the theory of economies of scale, as the theoretical basis of the full text. The literature review part of the integration of domestic and foreign on asset management business and banking business related documents, found that the research on asset management business model is relatively few. The third chapter introduces the history and evolution of Postal savings Bank, and analyzes the present situation and existing problems of asset management business of Postal savings Bank. Chapter 4th summarizes the business models of asset management of other banks at home and abroad, through comparative analysis, from the market positioning, organizational structure, total sub-linkage, The model of risk control, product design and asset investment is fully explained, and the characteristics of Postal savings Bank's "total branch independent balance" are put forward. Chapter 5th puts forward some policy suggestions for Postal savings Bank to develop asset management business.
【学位授予单位】：东南大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F618.3;F832.2

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