J银行深圳分行财富管理业务发展问题研究

发布时间：2019-02-17 09:30

【摘要】：随着中国经济的持续发展,我国居民可支配收入不断提高,据投中研究院预测,我国居民可支配收入在2020年将突破200万亿元,这将为国内财富管理业务提供广阔的市场发展空间。财富管理业务在商业银行业务中的比重不断上升,财富管理业务对商业银行业务的发展影响越来越大,本文将对J银行深圳分行财富管理业务发展问题进行研究。首先,在对国内外商业银行财富管理业务相关研究文献梳理的基础上,用详实的数据从规模变化、结构状况和收益情况三方面分析了 J银行深圳分行财富管理业务的发展状况。随后,通过分析发现J银行深圳分行财富管理业务发展中存在业务规模小、客户结构欠佳和业务收益较低三个方面的问题。为了给J银行深圳分行的财富管理业务的发展提供借鉴,接下来对发展较好的A银行深圳分行和B银行深圳分行的财富管理业务进行了实践考察。最后,在上述分析的基础之上,给出了提升业务规模、完善客户管理策略、提高业务收益率和强化风险管理四条有针对性的对策建议,以促进J银行深圳分行财富管理业务发展,增强J银行深圳分行财富管理业务的竞争力。
[Abstract]:With the sustained development of China's economy, the disposable income of Chinese residents has been continuously rising. According to the projections of the Institute of Investment Studies, the disposable income of Chinese residents will exceed 200 trillion yuan in 2020. This will provide broad market development space for domestic wealth management business. The proportion of wealth management business in commercial bank business is increasing, and wealth management business has more and more influence on the development of commercial bank business. This paper will study the development of wealth management business of J Bank Shenzhen Branch. First of all, on the basis of literature review on wealth management business of commercial banks at home and abroad, this paper analyzes the development of wealth management business of J Bank Shenzhen Branch from three aspects: scale change, structure status and income situation with detailed data. Then, through the analysis, we find that there are three problems in the development of wealth management business of J Bank Shenzhen Branch: small business scale, poor customer structure and low business income. In order to provide reference for the development of wealth management business of J Bank Shenzhen Branch, this paper makes a practical investigation on the wealth management business of Bank A Shenzhen Branch and B Bank Shenzhen Branch. Finally, on the basis of the above analysis, four countermeasures and suggestions are given to improve the business scale, perfect the customer management strategy, increase the business return rate and strengthen the risk management. In order to promote J bank Shenzhen branch wealth management business development, enhance J bank Shenzhen branch wealth management business competitiveness.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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