大資管時代金融機構財富管理業(yè)務的差異化拓展——基于財富管理與資產管理的辨析
發(fā)布時間：2019-06-22 12:25
【摘要】：目前,國內金融機構在拓展財富管理業(yè)務時,經常與資產管理業(yè)務相混淆,使得管理思路、發(fā)展定位不夠清晰,影響了財富管理市場的健康發(fā)展。雖然財富管理與資產管理的聯(lián)系較為緊密,但是兩者在基本概念、發(fā)展歷程、業(yè)務內涵等方面存在著諸多差異。與資產管理相比,財富管理更能滿足客戶的個性化需求及跨市場資產配置需求,也更能適應機構與個人客戶需求細分的要求。當前,金融機構拓展財富管理業(yè)務,面臨著市場基礎不牢固、品牌尚未得到有效培育、核心競爭力缺乏等問題和挑戰(zhàn)。為此,要著力完善產品譜系,夯實財富管理業(yè)務拓展的市場基礎;抓住市場機遇,培育和樹立財富管理的品牌;回歸業(yè)務本質,打造財富管理業(yè)務的核心競爭力。
[Abstract]:At present, when domestic financial institutions expand wealth management business, they are often confused with asset management business, which makes the management thinking and development orientation not clear enough, which affects the healthy development of wealth management market. Although wealth management and asset management are closely related, there are many differences in basic concepts, development process, business connotation and so on. Compared with asset management, wealth management can better meet the personalized needs of customers and cross-market asset allocation needs, but also better adapt to the requirements of institutional and individual customer needs segmentation. At present, financial institutions to expand wealth management business, facing the market foundation is not solid, brand has not yet been effectively cultivated, lack of core competitiveness and other problems and challenges. Therefore, it is necessary to perfect the product pedigree, consolidate the market foundation of wealth management business development, seize the market opportunity, cultivate and establish the brand of wealth management, return to the essence of business, and build the core competitiveness of wealth management business.
【作者單位】： 中國華融資產管理公司博士后科研工作站;中國社科院金融研究所博士后科研流動站;
【分類號】：F832.2
[Abstract]:At present, when domestic financial institutions expand wealth management business, they are often confused with asset management business, which makes the management thinking and development orientation not clear enough, which affects the healthy development of wealth management market. Although wealth management and asset management are closely related, there are many differences in basic concepts, development process, business connotation and so on. Compared with asset management, wealth management can better meet the personalized needs of customers and cross-market asset allocation needs, but also better adapt to the requirements of institutional and individual customer needs segmentation. At present, financial institutions to expand wealth management business, facing the market foundation is not solid, brand has not yet been effectively cultivated, lack of core competitiveness and other problems and challenges. Therefore, it is necessary to perfect the product pedigree, consolidate the market foundation of wealth management business development, seize the market opportunity, cultivate and establish the brand of wealth management, return to the essence of business, and build the core competitiveness of wealth management business.
【作者單位】： 中國華融資產管理公司博士后科研工作站;中國社科院金融研究所博士后科研流動站;
【分類號】：F832.2
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