中国建设银行郑州分行个人理财业务发展研究

发布时间：2018-05-13 16:00

本文选题：个人理财 + 产品创新　；参考：《内蒙古大学》2017年硕士论文

【摘要】：个人理财业务又称财富管理业务,在全球金融创新的背景下席卷了西方发达国家,普及到每一户家庭,已成为国外商业银行占据核心地位的盈利组成。改革开放以来,中国经济实现了 "大跨步"式的前进,利率市场化改革日趋深入,居民的生活条件日益富裕,人们的理财需求变得愈发强烈,我国的个人理财业务迎来了黄金发展机遇期。国内各商业银行不断加快个人理财业务的发展脚步,但与此同时也暴露出诸多的问题,严重阻碍了个人理财业务的健康推进。对于我国商业银行的发展而言,克服当下种种困难、改善业务现状、重塑行业优势已迫在眉睫。本文以中国建设银行郑州分行为研究对象,从个人理财业务的现状出发,通过与国内外优秀商业银行的成功经验和案例进行对比分析,发现建行郑州分行在个人理财业务发展中显露出重视度不足、产品同质现象严重、业务队伍专业化程度不高、业务营销体系不完善四方面的问题,究其原因主要是经营理念传统、产品创新度不足、理财队伍建设管理体制落后和产品营销不注重客户需求造成的。最后针对这些问题提出改进措施,分别是:积极转变传统的经营理念、着力推进产品创新与品牌建设、不断健全人才队伍建设模式、全面打造"以客户为中心"的科学营销体系,进而使建设银行郑州分行能够更好更快地发展个人理财业务。
[Abstract]:Personal finance business, also known as wealth management business, has swept the western developed countries under the background of global financial innovation, popularized to every family, and has become the core profit composition of foreign commercial banks. Since the reform and opening up, the Chinese economy has achieved a "great leap forward", the interest rate marketization reform has deepened day by day, the residents' living conditions have become increasingly rich, and people's financial needs have become more and more intense. The personal finance business of our country ushered in golden development opportunity period. Domestic commercial banks have been speeding up the development of personal finance business, but at the same time, many problems have been exposed, which seriously hindered the healthy advancement of personal finance business. For the development of Chinese commercial banks, it is urgent to overcome the current difficulties, improve the business situation and reshape the advantages of the industry. This paper takes Zhengzhou Branch of China Construction Bank as the research object, starting from the current situation of personal finance business, through comparing and analyzing with the successful experience and cases of excellent commercial banks at home and abroad. It is found that CCB Zhengzhou Branch shows four problems in the development of personal finance business, such as insufficient attention, serious product homogeneity, low specialization of business team and imperfect business marketing system. The main reasons are the traditional management concept, the insufficient degree of product innovation, the backward management system of financial management team construction and the lack of attention to customer demand in product marketing. Finally, the improvement measures are put forward to solve these problems. They are: changing the traditional management idea actively, pushing forward the product innovation and brand building, perfecting the construction mode of talent team. In order to develop personal finance business better and faster, Zhengzhou Branch of China Construction Bank can develop personal finance business better and faster by making the scientific marketing system of "customer as the center" in an all-round way.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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