C银行青岛市分行财富管理业务发展战略研究

发布时间：2018-06-16 05:23

本文选题：银行 + 财富管理业务　；参考：《西南交通大学》2017年硕士论文

【摘要】：改革开放30多年以来,在经济腾飞的同时我国居民可支配收入也大幅度提升,这就带来了高净值人群对财富管理业务的迫切需求。然而此类人群财富管理知识的积累与财富的积累并不成正比,致使其更倾向于选择优质的财富管理机构为其实现资产的保值与升值,这说明我国的财富管理业务成长空间广阔。同时,金融创新的日益推进以及内外部监管的进一步加强,也为C银行业务扩展提供了无限可能。C银行作为国内财富管理业务的先驱者,占有较大市场份额,又因其集团高度国际化的优势,在跨境业务方面一直处于国内领先地位。然而,面对日益激烈的同业竞争以及新兴财富管理机构、互联网金融的发展,如何塑造C银行青岛市分行财富管理行业的专业品牌形象,继续保持业内优势,是其面对的重要挑战。本文以财富管理业务概念以及竞争战略研究入手,对经济、社会等宏观发展背景采用PEST分析法进行分析,指出C银行青岛市分行的财富管理业务发展拥有经济腾飞所奠定的稳定基础以及良好的发展机遇。然后对财富管理行业进行五力模型分析,提出C银行青岛市分行需要不断加大资源投入,并进一步推出具有较强竞争力的产品以及服务,从而保证市场份额持续稳健增长的观点。继而,对C银行青岛市分行财富管理业务发展进行内部环境分析,主要对各类资源、核心竞争力进行分析,通过SWOT分析得出其优势和劣势,机遇和挑战,指出C银行如何发挥优势、弥补劣势、掌握机遇、迎接挑战,最后得出其财富管理业务需采用差异化竞争战略的结论。在差异化竞争战略实施过程中,主要通过产品差异化、服务差异化以及人才差异化三方面进行。首先,通过对高净值客户进行准确定位、加强与供应商合作,并充分利用高度国际化的竞争优势进行产品创新,从而实施产品差异化;其次,通过进一步对高净值客户进行层级细分,并结合各层级客户的不同需求以及现有资源,从而实施服务差异化;最后,通过提升专业人员素养、配套队伍建设方案,并打通技术序列与管理序列人员职业通道,从而实施人才差异化。
[Abstract]:Since the reform and opening up for more than 30 years, the disposable income of Chinese residents has also been greatly increased while the economy has taken off, which has brought an urgent need for wealth management business among the high net worth people. However, the accumulation of wealth management knowledge is not directly proportional to the accumulation of wealth, which makes them more inclined to choose high-quality wealth management institutions to maintain and appreciate their assets, which indicates that wealth management business in China has broad growth space. At the same time, with the increasing promotion of financial innovation and the further strengthening of internal and external supervision, it also provides unlimited possibilities for the expansion of bank C's business. As a pioneer of domestic wealth management business, Bank C occupies a large market share. Also because of its high international advantage, in the cross-border business has been in the leading position in China. However, in the face of increasingly fierce interbank competition and emerging wealth management institutions, the development of Internet finance, how to shape the professional brand image of wealth management industry in Qingdao Branch of Bank C, and continue to maintain the advantages of the industry, Is an important challenge. Based on the concept of wealth management business and the study of competition strategy, this paper analyzes the macro-development background of economy and society by pest analysis. It is pointed out that the development of wealth management business in Qingdao Branch of C Bank has the stable foundation and good development opportunity laid by the economic take-off. Then, through the five-force model analysis of the wealth management industry, it is pointed out that the Qingdao Branch of Bank C needs to continuously increase the resource input and further promote the products and services with strong competitiveness. In order to ensure a sustained and steady growth of market share point of view. Then, the paper analyzes the internal environment of wealth management business development of Qingdao Branch of C Bank, mainly analyzes all kinds of resources and core competitiveness, and obtains its strengths and weaknesses, opportunities and challenges through SWOT analysis. The paper points out how C Bank can exert its advantages, make up for its disadvantages, grasp opportunities and meet challenges. Finally, it draws the conclusion that its wealth management business needs to adopt the differentiated competitive strategy. In the process of implementing differentiation competition strategy, it is mainly carried out through three aspects: product differentiation, service differentiation and talent differentiation. First of all, through accurate positioning of high net worth customers, strengthening cooperation with suppliers, and making full use of highly international competitive advantages for product innovation, so as to implement product differentiation; second, Through the further classification of high net worth customers, combined with the different needs of customers at all levels and existing resources, the implementation of service differentiation; finally, through the upgrading of professional literacy, supporting team building program, And through the technical sequence and management sequence personnel career channel, so as to implement talent differentiation.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

【参考文献】