徽商银行蚌埠分行理财产品供求调研报告

发布时间：2018-04-11 21:03

本文选题：徽商银行 + 理财产品　；参考：《安徽财经大学》2017年硕士论文

【摘要】：国内各家商业银行的理财产品种类近年来正不断加速发展,理财业务收入占银行收入的比重也逐步提高。从大环境看,利率市场化的进一步深入推进及金融脱媒对银行业的冲击,势必要求商业银行减少传统存贷业务,加快中间业务的推进。与此同时,理财业务具备快速扩张的能力,在银行控制好风险的情况下,能在负载端获得更多低成本的资金,减缓利差收缩趋势带来的不利影响,因此理财产品已然成为各家银行大力发展中间业务的切入点。随之而来的是分行及各个支行网点的职责从办理业务为主转向金融销售产品为主,从“交易中心”向“营销中心”转变,大大加快了理财产品的发展速度。徽商银行作为我国中部地区规模最大的城市商业银行,一直走在创新转型的前列。本文以徽商银行蚌埠分行为调研对象,深入展开实地调研,详细了解其理财产品发展现状。文章首先介绍徽商银行理财产品的总体情况,并分析了蚌埠分行理财产品发售基本情况。之后,从产品供给的角度对理财产品的特征和主要产品进行分析,并以问卷调查的形式对蚌埠市民理财产品的需求进行探讨。最后,从银行供给端和市民需求端的对比中分析存在的错配,归纳出蚌埠分行在发展理财产品的过程中遇到的相关问题,并提出具体的对策建议。
[Abstract]:The types of financial products of domestic commercial banks are accelerating in recent years, and the proportion of financial business income to bank income is also gradually increasing.From the point of view of the general environment, the further promotion of interest rate marketization and the impact of financial disintermediation on the banking industry are bound to require commercial banks to reduce the traditional deposit and loan business and speed up the promotion of intermediate business.At the same time, the wealth management business has the ability to expand rapidly, in the case of banks to control the risk, in the case of better access to the load side of the more low-cost funds, to mitigate the negative impact of the trend of interest rate contraction,Therefore, financial products have become the breakthrough point for banks to develop intermediary business.As the largest city commercial bank in central China, Huizhou Commercial Bank has been in the forefront of innovation and transformation.This article takes Bengbu Branch of Huizhou Merchants Bank as the research object, deeply carries out the field investigation, understands its financial management product development present situation in detail.The article first introduces the general situation of Huizhou bank financial products, and analyzes the basic situation of Bengbu Branch financial products sale.After that, the characteristics and main products of financial management products are analyzed from the point of view of product supply, and the demand for financial products of Bengbu citizens is discussed by questionnaire.Finally, this paper analyzes the mismatch between the bank supply side and the citizen demand side, sums up the related problems encountered by Bengbu Branch in the process of developing financial management products, and puts forward some specific countermeasures and suggestions.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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