兴业银行安庆分行个人理财业务调研报告

发布时间：2018-01-15 18:13

本文关键词：兴业银行安庆分行个人理财业务调研报告　出处：《安徽财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着我国改革开放的不断推进,经济水平不断提高,广大人民收入水平的迅速增长和理财意识的日益增强为我国商业银行个人理财业务的发展创造了良好的外部环境。在这种有利形势下,我国银行业对个人理财业务这一新兴领域开始重视起来,大力发展个人理财业务已成为新的利润增长点,各大商业银行围绕个人理财业务展开了激烈的竞争。对于商业银行来说,发展个人理财业务不仅可以增加可观的利润,同时也为维护、拓展高端客户提供了强有力的支持。尽管从相关管理办法的规定来看,商业银行的个人理财业务是一个综合性很强的概念,但就我国目前的情况来说,个人理财产品才是个人理财业务的主要载体。近年来,在通货膨胀的压力下,居民对于资产保值增值的需求越来越大,银行理财产品市场日益繁荣。本文以兴业银行安庆分行为调研对象,以生命周期理论、金融创新理论、货币时间价值理论和客户关系管理理论为方案设计的理论基础,采用问卷调查法、实地访谈法、文献研究法、电话调查法等种种方式对该行的个人理财业务进行调研。此次调研成果采用了调研报告的形式,按照以下的思路进行:首先,通过实地访谈,取得了兴业银行安庆分行个人理财业务近五年经营情况的第一手资料,并向客户发放了调查问卷来直观了解客户对个人理财的需求状况;其次,介绍了安庆分行的概况、理财业务组织框架和重点理财业务,从而对安庆分行个人理财业务有了初步了解;再次,分析和总结实地访谈得来的详细资料,进而对安庆分行个人理财业务的现状形成更加深刻的认识,同时统计问卷调查的结果,从统计结果的各方面对安庆分行个人理财业务的经营情况进行分析、总结,指出问题所在;最后,针对这些在发展中暴露出来的问题为安庆分行个人理财业务的进一步发展提出具体的对策和建议,使安庆分行能够不断完善个人理财业务,在促进自身可持续发展的同时更好地满足人民群众的金融需求。通过这次调研,本文认为兴业银行安庆分行不仅需要在提供优质的理财服务上面下功夫,而且在设计理财产品时要为客户处理好风险和收益的关系,最终达到双赢的目标。
[Abstract]:With the development of the reform and opening-up, the continuous improvement of the economy, the rapid growth of the majority of people's income level and financial development is the increasing awareness of personal financial services of commercial banks in China to create a favorable external environment. In this favorable situation, China's banking industry in the emerging field of personal finance business began to pay attention to up, vigorously develop the personal financial business has become a new profit growth point, the major commercial banks launched a fierce competition around the personal financial business for commercial banks, personal financial business development can not only increase the profits, but also for the maintenance, provides a strong support to expand the high-end customers. Although the provisions of the relevant management to the point of view, the personal financial services of commercial bank is a comprehensive concept is very strong, but the present situation of our country, the personal financial products Is the main carrier of the personal financial business. In recent years, under the pressure of inflation, the greater the residents for assets of the bank financial products market demand, increasing prosperity. The Industrial Bank Anqing branch as the research object, based on the life cycle theory, financial innovation theory, the theory of time value of money and the theory of customer relationship management based on the theory of design, using the method of questionnaire, interview, literature research method, investigation of personal financial business of the bank's telephone survey and various ways. The research adopts the form of a research report, in accordance with the following ideas: firstly, through on-the-spot investigation, has made nearly five years management of personal financial business of Anqing branch of Industrial Bank first hand information to clients and issued questionnaires to directly understand the customer demand for the personal finance; Second, introduces the general situation of the Anqing branch of the financial services organization framework and focus on financial services, so as to have a preliminary understanding of personal financial business of Anqing branch; thirdly, detailed analysis and summary data from interviews, and form a more profound understanding on the current situation of personal financial business of Anqing branch, and the statistical results of the questionnaire from the statistical results, the parties face analysis, management of personal financial business of Anqing branch of the summary, point out the problem; finally, according to the exposed problems in the development of further development of the personal financial business of Anqing branch to put forward specific countermeasures and suggestions, make Anqing branch to improve the personal financial management business, to meet the people's the financial demand in the promotion of sustainable development at the same time better. Through this research, this paper considers not only the Industrial Bank Anqing branch We need to work hard to provide high-quality financial services, and when designing financial products, we need to deal with the relationship between risks and benefits for customers, and ultimately achieve a win-win goal.

【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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