【摘要】：近年來,隨著國民經(jīng)濟(jì)的持續(xù)增長,居民收入的不斷提高,人們對于金融產(chǎn)品的需求越來越旺盛,特別是利率市場化以來,人們的存款愿望有所降低,高收益的理財產(chǎn)品逐漸走入人們的視野,越來越受到人們的關(guān)注。國內(nèi)很多商業(yè)銀行把握市場機(jī)會大力發(fā)展理財業(yè)務(wù),部分商業(yè)銀行走到了市場的前列,個人理財業(yè)務(wù)發(fā)展較為成熟,擁有了比較完善的管理制度、比較有效的市場營銷手段以及成熟的專業(yè)銷售和管理人員隊伍。中國郵政儲蓄銀行是經(jīng)銀監(jiān)局批準(zhǔn)在改革郵政管理體制的基礎(chǔ)上組建的商業(yè)銀行。銀行成立后,逐漸向全國性的大型商業(yè)銀行轉(zhuǎn)型,致力于發(fā)展零售業(yè)務(wù),特別是及時推出了個人理財業(yè)務(wù)大力發(fā)展,但是與成熟的商業(yè)銀行相比,郵儲銀行起步較晚,缺乏一定的經(jīng)驗,管理體制不全,營銷手段單一。為提升郵儲儲蓄銀行競爭力,郵政儲蓄銀行應(yīng)大力發(fā)展其他商業(yè)銀行相對薄弱的個人理財業(yè)務(wù),郵政儲蓄銀行如何更好發(fā)展個人理財服務(wù)是當(dāng)前面臨的重要而又緊迫的研究課題。本文以郵儲銀行綿陽分行作為研究對象,采取理論研究、對比分析、文獻(xiàn)查閱等方法,對郵政儲蓄銀行個人理財業(yè)務(wù)的發(fā)展與現(xiàn)狀進(jìn)行研究,探討存在的問題,存在的機(jī)遇和挑戰(zhàn),并結(jié)合當(dāng)前市場環(huán)境提出擴(kuò)大綿陽郵儲銀行個人理財業(yè)務(wù)的發(fā)展方向,改善綿陽郵儲銀行個人理財業(yè)務(wù)運營模式,積極開發(fā)多層次多形式理財產(chǎn)品,加強(qiáng)市場營銷,加大綿陽郵儲銀行信息化建設(shè)力度等完善綿陽郵政儲蓄銀行的個人理財業(yè)務(wù)的發(fā)展策略。
[Abstract]:In recent years, with the continuous growth of the national economy and the continuous improvement of residents' income, people's demand for financial products is more and more vigorous. Especially since the interest rate is marketized, people's desire for deposits has been reduced. High-income financial products gradually into the people's vision, more and more people's attention. Many domestic commercial banks have grasped the market opportunity to vigorously develop their financial management business. Some commercial banks have stepped into the forefront of the market, and their personal finance business has developed more mature and has a relatively perfect management system. More effective marketing tools and mature professional sales and management team. Postal savings Bank of China is a commercial bank established on the basis of reform of postal administration system approved by the Banking Regulatory Bureau. After the establishment of the bank, it gradually transformed to a large commercial bank nationwide, devoting itself to the development of retail business, especially by launching the personal finance business in a timely manner. However, compared with the mature commercial banks, the postal savings bank started relatively late. Lack of certain experience, management system is incomplete, marketing means single. In order to enhance the competitiveness of postal savings banks, postal savings banks should vigorously develop the relatively weak personal financial services of other commercial banks. How to better develop personal financial services is an important and urgent research topic for Postal savings Bank. Taking Mianyang Branch of Postal savings Bank as the object of study, this paper studies the development and present situation of personal finance business of Postal savings Bank by means of theoretical research, comparative analysis and literature review, and discusses the existing problems. The existing opportunities and challenges, and combined with the current market environment proposed to expand the development direction of Mianyang Postal savings Bank personal finance business, improve the Mianyang Postal savings Bank personal finance business operation mode, actively develop multi-level and multi-form financial products, Strengthen the marketing, strengthen the information construction of Mianyang Postal savings Bank, and improve the development strategy of Mianyang Postal savings Bank's personal finance business.
【學(xué)位授予單位】：西南科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.2;F618.3

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