“中国平安”综合金融战略案例分析

发布时间：2018-11-09 07:57

【摘要】：在全球经济多元化发展的背景下,金融机构面临的竞争日益激烈,金融控股公司作为一种新型组织模式,能够发挥多元金融协同优势,提升金融机构竞争力,在西方国家已经成为一种国际趋势。我国从上世纪90年代开始,一直实行“分业经营、分业监管”的经营和监管模式。本世纪以来,面对国内互联网金融的挑战,金融机构综合经营势在必行,金融控股公司模式迎来新的发展契机。经营发展战略在金融控股公司中具有关键性的作用,战略直接影响旗下子公司的发展方向和协同整合程度。“中国平安”率先提出“综合金融战略”,在搭建个人金融一站式服务平台的基础上,不断进行创新突破,已处于我国金融控股公司多元金融业务发展的最前沿。对“中国平安”的综合金融战略进行案例分析,对于我国金融控股公司的发展有极其重要的借鉴意义。本文主要采用案例分析和比较分析方法对“中国平安”的综合金融战略展开分析研究,以期不断完善其发展并对其他金融控股公司有所启示。首先对金融控股公司和综合金融战略的涵义进行界定,介绍金融控股公司和综合金融战略的特点,阐述综合金融战略在金融控股公司的重要作用。其次在此基础上,着重介绍“中国平安”的综合金融战略布局过程,对综合金融战略的主要内容和实践现状进行梳理。然后通过对“中国平安”的成效分析,总结其综合金融战略实施后所具有的行业优势,找出其发展面临的阻碍,针对投资业务整体风险上升、创新趋于同质化和迁徙转化缓慢等问题提出优化建议。最后对“中国平安”综合金融战略的案例进行归纳,总结对其他金融控股公司在经营战略方面启示。
[Abstract]:Under the background of diversified development of global economy, financial institutions are facing increasingly fierce competition. As a new organizational model, financial holding companies can bring into play the advantages of multiple financial synergies and enhance the competitiveness of financial institutions. It has become an international trend in western countries. Since 1990's, our country has been carrying out the management and supervision mode of "separate operation and separate supervision". Since the beginning of this century, facing the challenge of domestic Internet finance, it is imperative for financial institutions to manage comprehensively, and the mode of financial holding company ushered in a new development opportunity. The strategy of management and development plays a key role in the financial holding company. The strategy directly affects the development direction and the degree of coordination and integration of its subsidiaries. "Ping an of China" first put forward "comprehensive financial strategy", on the basis of setting up a one-stop service platform of personal finance, continuously innovating and breaking through, has been in the forefront of the development of diversified financial business of financial holding company in China. The case study of China Ping an's comprehensive financial strategy is of great significance for the development of China's financial holding companies. This article mainly uses the case analysis and the comparative analysis method to carry on the analysis research to "China Ping an" comprehensive financial strategy, in order to unceasingly consummate its development and has some enlightenment to other financial holding companies. Firstly, it defines the meaning of financial holding company and comprehensive financial strategy, introduces the characteristics of financial holding company and comprehensive financial strategy, and expounds the important role of comprehensive financial strategy in financial holding company. Secondly, it introduces the comprehensive financial strategy layout process of Ping an of China, and combs the main content and practice status of the comprehensive financial strategy. Then, through the analysis of the effectiveness of "China Ping an", it summarizes the industry advantages after the implementation of its comprehensive financial strategy, finds out the obstacles to its development, and aims at the rise of the overall risk of investment business. Some suggestions are put forward about the homogenization of innovation and the slow migration and transformation. Finally, the paper summarizes the case of China Ping an comprehensive financial strategy, and summarizes the enlightenment to other financial holding companies in the aspect of management strategy.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832

【参考文献】