本文選題：徽商銀行 + 理財(cái)產(chǎn)品　； 參考：《安徽財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：國(guó)內(nèi)各家商業(yè)銀行的理財(cái)產(chǎn)品種類近年來正不斷加速發(fā)展,理財(cái)業(yè)務(wù)收入占銀行收入的比重也逐步提高。從大環(huán)境看,利率市場(chǎng)化的進(jìn)一步深入推進(jìn)及金融脫媒對(duì)銀行業(yè)的沖擊,勢(shì)必要求商業(yè)銀行減少傳統(tǒng)存貸業(yè)務(wù),加快中間業(yè)務(wù)的推進(jìn)。與此同時(shí),理財(cái)業(yè)務(wù)具備快速擴(kuò)張的能力,在銀行控制好風(fēng)險(xiǎn)的情況下,能在負(fù)載端獲得更多低成本的資金,減緩利差收縮趨勢(shì)帶來的不利影響,因此理財(cái)產(chǎn)品已然成為各家銀行大力發(fā)展中間業(yè)務(wù)的切入點(diǎn)。隨之而來的是分行及各個(gè)支行網(wǎng)點(diǎn)的職責(zé)從辦理業(yè)務(wù)為主轉(zhuǎn)向金融銷售產(chǎn)品為主,從“交易中心”向“營(yíng)銷中心”轉(zhuǎn)變,大大加快了理財(cái)產(chǎn)品的發(fā)展速度�；丈蹄y行作為我國(guó)中部地區(qū)規(guī)模最大的城市商業(yè)銀行,一直走在創(chuàng)新轉(zhuǎn)型的前列。本文以徽商銀行蚌埠分行為調(diào)研對(duì)象,深入展開實(shí)地調(diào)研,詳細(xì)了解其理財(cái)產(chǎn)品發(fā)展現(xiàn)狀。文章首先介紹徽商銀行理財(cái)產(chǎn)品的總體情況,并分析了蚌埠分行理財(cái)產(chǎn)品發(fā)售基本情況。之后,從產(chǎn)品供給的角度對(duì)理財(cái)產(chǎn)品的特征和主要產(chǎn)品進(jìn)行分析,并以問卷調(diào)查的形式對(duì)蚌埠市民理財(cái)產(chǎn)品的需求進(jìn)行探討。最后,從銀行供給端和市民需求端的對(duì)比中分析存在的錯(cuò)配,歸納出蚌埠分行在發(fā)展理財(cái)產(chǎn)品的過程中遇到的相關(guān)問題,并提出具體的對(duì)策建議。
[Abstract]:The types of financial products of domestic commercial banks are accelerating in recent years, and the proportion of financial business income to bank income is also gradually increasing.From the point of view of the general environment, the further promotion of interest rate marketization and the impact of financial disintermediation on the banking industry are bound to require commercial banks to reduce the traditional deposit and loan business and speed up the promotion of intermediate business.At the same time, the wealth management business has the ability to expand rapidly, in the case of banks to control the risk, in the case of better access to the load side of the more low-cost funds, to mitigate the negative impact of the trend of interest rate contraction,Therefore, financial products have become the breakthrough point for banks to develop intermediary business.As the largest city commercial bank in central China, Huizhou Commercial Bank has been in the forefront of innovation and transformation.This article takes Bengbu Branch of Huizhou Merchants Bank as the research object, deeply carries out the field investigation, understands its financial management product development present situation in detail.The article first introduces the general situation of Huizhou bank financial products, and analyzes the basic situation of Bengbu Branch financial products sale.After that, the characteristics and main products of financial management products are analyzed from the point of view of product supply, and the demand for financial products of Bengbu citizens is discussed by questionnaire.Finally, this paper analyzes the mismatch between the bank supply side and the citizen demand side, sums up the related problems encountered by Bengbu Branch in the process of developing financial management products, and puts forward some specific countermeasures and suggestions.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.2

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本文編號(hào)：1737663