农业银行乐山分行财富管理研究
发布时间：2019-02-11 12:04
【摘要】：从1979年开始,中国的改革开放正式开始实施至今也有38年的时间了,在这期间,中国的经济发生了翻天覆地的变化,经济的持续高速增长带来了国民财富的快速积累和增加,面对越来越多的货币资产,人们对如何打理手中的闲置资金有了迫切的理财需求,对金融机构而言,这自然而然成为了大力发展财富管理的历史性机遇。2016年,招商银行和贝恩公司联合发布了《2015中国私人财富报告》,其中数据显示,在2014年,我国个人可投资资产1千万以上的人数已经超过了100万人,而2015年则超过了200万,预计到2020年,这个数字将会以年增速13.4%的水平增长到388万户,届时,高净值人群的可投资资产总额将会达到200万亿。随着互联网金融的快速崛起,其对我国传统商业银行的发展模式和盈利模式均发起了挑战,改变了商业银行价值创造和实现的方式,加快了金融脱媒,银行利差持续收窄,商业银行的发展环境已发生深刻变化,如何发展财富管理也就成为我国商业银行能否转型成功的一个战略问题。本文以农业银行乐山分行财富管理为实际研究对象,运用相关理论,结合自身的工作实践经验,分别对农行乐山分行财富管理的现状与问题、客户现状进行了分析,通过对国内行业领头羊的招商银行财富管理的经验及做法借鉴,提出了针对农行乐山分行财富管理发展的对策和建议,为其做大和做强财富管理提供了新的思路。通过对农行乐山分行财富管理研究得出的结论具有一定的普遍性,对国内其他商业银行在现阶段发展财富管理具有一定的参考价值。
[Abstract]:Since 1979, China's reform and opening up has been officially implemented for 38 years. During this period, China's economy has undergone earth-shaking changes, and sustained and rapid economic growth has brought about the rapid accumulation and increase of national wealth. Faced with more and more money assets, there is an urgent need to manage idle funds, which naturally becomes a historic opportunity for financial institutions to vigorously develop wealth management in 2016. China Merchants Bank and Bain jointly released the 2015 China Private Wealth report, in which data show that in 2014, the number of individuals with more than 10 million personal investable assets exceeded 1 million, compared with more than 2 million in 2015. By 2020, the figure is expected to grow to 3.88 million households at an annual rate of 13. 4%, bringing the total investable assets of the high net worth population to 200 trillion. With the rapid rise of Internet finance, it has challenged the traditional commercial banks' development model and profit model, changed the way of value creation and realization of commercial banks, accelerated the financial disintermediation, and narrowed the bank interest margin continuously. The development environment of commercial banks has undergone profound changes, and how to develop wealth management has become a strategic issue for the success of the transformation of commercial banks in China. This paper takes the wealth management of Leshan Branch of Agricultural Bank as the actual research object, applies the relevant theory, unifies own work practice experience, separately has carried on the analysis to the present situation and the question of the wealth management of the Agricultural Bank of China Leshan Branch, the customer present situation, Based on the experience and practice of wealth management of China Merchants Bank (CMB), the paper puts forward the countermeasures and suggestions for the development of wealth management in Leshan Branch of Agricultural Bank of China, which provides a new way of thinking for the development of wealth management in China Merchants Bank. The conclusion from the study on wealth management in Leshan Branch of Agricultural Bank has certain universality and has certain reference value for other domestic commercial banks to develop wealth management at the present stage.
【学位授予单位】：新疆大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
[Abstract]:Since 1979, China's reform and opening up has been officially implemented for 38 years. During this period, China's economy has undergone earth-shaking changes, and sustained and rapid economic growth has brought about the rapid accumulation and increase of national wealth. Faced with more and more money assets, there is an urgent need to manage idle funds, which naturally becomes a historic opportunity for financial institutions to vigorously develop wealth management in 2016. China Merchants Bank and Bain jointly released the 2015 China Private Wealth report, in which data show that in 2014, the number of individuals with more than 10 million personal investable assets exceeded 1 million, compared with more than 2 million in 2015. By 2020, the figure is expected to grow to 3.88 million households at an annual rate of 13. 4%, bringing the total investable assets of the high net worth population to 200 trillion. With the rapid rise of Internet finance, it has challenged the traditional commercial banks' development model and profit model, changed the way of value creation and realization of commercial banks, accelerated the financial disintermediation, and narrowed the bank interest margin continuously. The development environment of commercial banks has undergone profound changes, and how to develop wealth management has become a strategic issue for the success of the transformation of commercial banks in China. This paper takes the wealth management of Leshan Branch of Agricultural Bank as the actual research object, applies the relevant theory, unifies own work practice experience, separately has carried on the analysis to the present situation and the question of the wealth management of the Agricultural Bank of China Leshan Branch, the customer present situation, Based on the experience and practice of wealth management of China Merchants Bank (CMB), the paper puts forward the countermeasures and suggestions for the development of wealth management in Leshan Branch of Agricultural Bank of China, which provides a new way of thinking for the development of wealth management in China Merchants Bank. The conclusion from the study on wealth management in Leshan Branch of Agricultural Bank has certain universality and has certain reference value for other domestic commercial banks to develop wealth management at the present stage.
【学位授予单位】：新疆大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
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6 苏t，
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