本文關鍵詞：F銀行“君盈利”個人理財產(chǎn)品設計方案　出處：《遼寧大學》2013年碩士論文　論文類型：學位論文

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【摘要】：隨著我國金融市場的飛速發(fā)展，理財產(chǎn)品市場也成為各大商業(yè)銀行競爭的重要領域之一，形形色色的個人理財產(chǎn)品日新月異，然而各大商業(yè)銀行現(xiàn)有的理財產(chǎn)品同質(zhì)性較強，模仿痕跡明顯，缺乏主動創(chuàng)新性和個性化服務。而且目前各大商業(yè)銀行大多將目標客戶群體定位于以高端客戶為核心的中、高端市場，普遍忽視低端客戶和中低端客戶。F銀行作為“F市人自己的銀行”，重視廣闊的中低端市場的開拓，而當前F銀行在理財業(yè)務方面尚有待進一步完善提高，因此，為了更好的滿足F市中低端客戶廣泛的理財需求，設計一款具有廣闊的市場發(fā)展前景的新型個人理財產(chǎn)品，是F銀行當前亟待解決的一項問題。 本文首先對于F銀行的現(xiàn)有理財業(yè)務進行了概述，對于現(xiàn)有的益得利、薪獲利、周添利三種理財產(chǎn)品進行了詳盡的分析，總結其特點和不足，并在此基礎上提出設計F銀行“君盈利”個人理財產(chǎn)品。F銀行“君盈利”個人理財產(chǎn)品是針對F市廣大的中低端客戶推出的浮動收益型結構化理財產(chǎn)品，與一攬子金融藍籌股的表現(xiàn)相掛鉤，并投資于票據(jù)、結構性存款和貨幣基金類產(chǎn)品、證券類投資類產(chǎn)品等，產(chǎn)品的收益與掛鉤股票在產(chǎn)品存續(xù)期的表現(xiàn)的一致性掛鉤，具有安全性高、投資回報率較高等特點，有效地兼顧了客戶收益與安全性的雙重需求。進而從產(chǎn)品的基本概念，包括產(chǎn)品的核心特征、功能以及設計理念等方面對于“君盈利”理財產(chǎn)品進行了詳細的描述。提出了產(chǎn)品的設計方案，對于核心產(chǎn)品、產(chǎn)品形態(tài)和附加產(chǎn)品進行了詳細的介紹，并總結了產(chǎn)品的特點與創(chuàng)新之處。又進一步對于產(chǎn)品進行了市場分析、風險與收益分析以及獲利原因分析等。又在綜述國內(nèi)各大商業(yè)銀行現(xiàn)有人民幣理財產(chǎn)品現(xiàn)狀的基礎上，結合當前市場上個人理財產(chǎn)品的特點與“君盈利”產(chǎn)品進行比較，分析其特有的優(yōu)勢。最后，對于“君盈利”個人理財產(chǎn)品的推廣提出了方案，，涵蓋了產(chǎn)品的營銷、技術支持和風險防范三個方面。
[Abstract]:With the rapid development of China's financial market, financial products market has become one of the important areas of major commercial banks, personal financial products of every hue change rapidly, however, the major commercial banks in the existing financial products with strong homogeneity, obvious imitation marks, lack of initiative innovation and personalized service. But at present most of the major commercial banks will target customer groups positioning in the high-end customers as the core in the high-end market, generally ignored the low-end customers and low-end customers.F bank as the "F City People's own bank, wide attention in the low-end market, and the F bank in financial business remains to be further improved, therefore, in order to better end meet the F in a wide range of customer financial needs, design a model of personal financial products has a broad market prospect, is F when the bank before the urgent A problem.
Firstly, for the F bank's existing financial services are summarized, the existing YIDELI, Zhou Tianli paid profit, three financial products are analyzed in detail, summarizes its characteristics and shortcomings, and puts forward the design of F bank personal financial products "Jun profit".F bank "Jun profit" personal financial products according to F, the majority of low-end customers launched floating income structured financial products, and a package of financial performance of blue chips linked, and invest in the bill, structured deposits and currency fund products, securities investment products, the consistency of products linked and income linked to the stock in the duration of the product performance, with high safety, higher rate of return on investment, and effectively balance the dual needs of customers benefits and safety. And then from the basic concept of products, including the core features of the product, power Can design and a detailed description of the "Jun profit" financial products. Put forward a design scheme for the products, core products, product form and additional products are introduced in detail, and summarized the characteristics and innovation of products. Further to products in the market analysis, risk and profit the reason analysis and profit analysis. And based on the major commercial banks in the domestic existing status of RMB financial products, combined with the characteristics of the current market of personal financial products and "Jun profit" products were compared, analysis of its unique advantages. Finally, the promotion of "Jun profit" of personal financial products of the proposed scheme covers the product marketing, technical support and risk prevention three aspects.

【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.2

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