本文關(guān)鍵詞： 第三方理財(cái)公司 發(fā)展模式 風(fēng)險(xiǎn)控制 服務(wù)體制　出處：《西北農(nóng)林科技大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著我國(guó)經(jīng)濟(jì)的持續(xù)向好地快速發(fā)展繁榮，人均收入水平在不斷提高，，家庭和個(gè)人閑余資金都在不斷的增加。但同時(shí)，老百姓可投資渠道有限，對(duì)金融知識(shí)的了解也有限，金融產(chǎn)品紛繁復(fù)雜，一些領(lǐng)域產(chǎn)品單一，且同質(zhì)化嚴(yán)重，難以滿足居民的投資需求，更難以形成資金的有效融通。另一方面，隨著經(jīng)濟(jì)的飛速發(fā)展，剛性通貨膨脹的伴隨，老百姓用實(shí)實(shí)在在的勞動(dòng)換得的財(cái)富在不知不覺中快速貶值。誰來保護(hù)民間財(cái)富，誰能為百姓財(cái)富的保值增值保駕護(hù)航？理財(cái)公司成為擔(dān)負(fù)起此項(xiàng)重任的中間力量。第三方理財(cái)公司也就在這個(gè)時(shí)候大量涌現(xiàn)。第三方理財(cái)公司的出現(xiàn)及健康發(fā)展，有利于增添金融市場(chǎng)的活力，豐富金融理財(cái)產(chǎn)品、增加有效投資渠道，促進(jìn)金融市場(chǎng)功能不斷完善和提高資源配置效率。 本文以第三方理財(cái)公司的相關(guān)理論為基礎(chǔ)，分析介紹第三方理財(cái)公司與傳統(tǒng)金融機(jī)構(gòu)理財(cái)之間的差異，闡明第三方理財(cái)公司的優(yōu)勢(shì)，通過剖析我國(guó)第三方理財(cái)公司發(fā)展中存在的問題及成因，結(jié)合國(guó)外第三方理財(cái)公司發(fā)展模式先進(jìn)的經(jīng)驗(yàn)和啟示，并以我國(guó)第三方理財(cái)公司發(fā)展模式SWOT分析為切入點(diǎn)，指出我國(guó)第三方理財(cái)公司發(fā)展模式選擇上應(yīng)注意的問題，探討和研究了我國(guó)第三方理財(cái)公司發(fā)展模式的選擇和創(chuàng)新，提出了我國(guó)的第三方理財(cái)公司創(chuàng)新模式能夠健康良好地發(fā)展，需要不繼加強(qiáng)高素質(zhì)的人才培養(yǎng)，建立健全內(nèi)部風(fēng)險(xiǎn)控制體系等內(nèi)部機(jī)制，不繼完善理財(cái)市場(chǎng)的法律法規(guī)建設(shè)，健全誠(chéng)信體系，營(yíng)造健康良好市場(chǎng)競(jìng)爭(zhēng)環(huán)境等對(duì)策與建議。 本文主要通過對(duì)國(guó)內(nèi)外第三方理財(cái)公司發(fā)展的模式進(jìn)行比較和借鑒，探討研究適合我國(guó)第三方理財(cái)公司發(fā)展的創(chuàng)新模式。這個(gè)創(chuàng)新模式首先強(qiáng)調(diào)，建設(shè)一個(gè)獨(dú)立運(yùn)行的平臺(tái)，不受金融機(jī)構(gòu)銷售導(dǎo)向影響，沒有業(yè)績(jī)壓力，能站在客戶立場(chǎng)上，從客戶利益出發(fā)，獨(dú)立出具理財(cái)報(bào)告，同時(shí)公司要有可執(zhí)行的內(nèi)控機(jī)制，借鑒其他行業(yè)和國(guó)外公司的先進(jìn)管理經(jīng)驗(yàn)，按業(yè)務(wù)的前端、中端和后端進(jìn)行管理和執(zhí)行三級(jí)審核制度。有了上述創(chuàng)新制度，公司為客戶出具的理財(cái)報(bào)告將會(huì)更符合客戶的利益，更加科學(xué)合理。
[Abstract]:With the continuous development and prosperity of our country's economy, the level of per capita income is increasing, and the surplus funds of families and individuals are increasing. But at the same time, the channel of investment is limited. The understanding of financial knowledge is also limited, the financial products are complicated, the products in some fields are single, and the homogeneity is serious, it is difficult to meet the investment needs of residents, and it is more difficult to form the effective financing. On the other hand. With the rapid development of economy and accompanied by rigid inflation, the common people with real labor to exchange wealth in unconsciously rapid depreciation. Who will protect folk wealth. Who can protect the people's wealth? Financial management companies have become the middle force to shoulder this important task. Third party financial companies also emerged in large numbers at this time. The emergence and healthy development of third party financial companies is conducive to increase the vitality of the financial market. Enrich financial products, increase effective investment channels, promote the continuous improvement of financial market functions and improve the efficiency of resource allocation. Based on the related theories of the third party financial management company, this paper analyzes the difference between the third party financial management company and the traditional financial institution, and clarifies the advantage of the third party financial management company. By analyzing the problems and causes of the development of the third party financial management company in China, combined with the advanced experience and inspiration of the foreign third party financial management company development model. Based on the SWOT analysis of the development mode of the third party financing company in China, the paper points out the problems that should be paid attention to in the choice of the development mode of the third party financial management company in our country. This paper discusses and studies the choice and innovation of the development mode of the third party financial management company in our country, and points out that the innovative mode of the third party financial management company in our country can develop healthily and well, and need not continue to strengthen the cultivation of high quality talents. To establish and improve internal risk control system and other internal mechanisms, not to improve the construction of financial market laws and regulations, to improve the integrity of the system, to create a healthy and good market competition environment and other countermeasures and suggestions. This article mainly through the domestic and foreign third party financing company development pattern carries on the comparison and the reference, discusses the research suits our country third party finance company development innovation pattern. This innovation pattern first emphasizes. Build an independent operating platform, free from the financial institutions sales direction, no performance pressure, can stand on the customer position, from the interests of customers, independently issued financial report. At the same time, the company should have executable internal control mechanism, learn from the advanced management experience of other industries and foreign companies, according to the front-end, mid-end and back-end of the business management and implementation of the three-level audit system. The financial report issued by the company for customers will be more in line with the interests of customers, more scientific and reasonable.
【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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