本文選題：富滇銀行 + 財(cái)富中心　； 參考：《云南財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：財(cái)富中心是伴隨著商業(yè)銀行財(cái)富管理業(yè)務(wù)或私人銀行業(yè)務(wù)的發(fā)展應(yīng)運(yùn)而生的。作為財(cái)富管理業(yè)務(wù)或私人銀行業(yè)務(wù)的專業(yè)化服務(wù)平臺(tái)，“財(cái)富中心”已逐漸成為銀行吸引高端客戶必須方式和爭奪高端客戶的公開角力場，個(gè)人財(cái)富中心或財(cái)富中心的建設(shè)已成為現(xiàn)代商業(yè)銀行零售業(yè)務(wù)發(fā)展的必然趨勢和選擇。 結(jié)合富滇銀行實(shí)際，建設(shè)財(cái)富中心是其戰(zhàn)略定位的要求，是轉(zhuǎn)變發(fā)展方式的需要，是打造“零售銀行”和“流程銀行”的具體體現(xiàn)。通過建立財(cái)富中心，定向?yàn)橘F賓客戶、理財(cái)客戶和優(yōu)質(zhì)個(gè)貸客戶為代表的高端客戶服務(wù)。致力于客戶精細(xì)化管理，按照客戶特點(diǎn)推出個(gè)性化產(chǎn)品并進(jìn)行交叉銷售，提高活躍客戶的比例和價(jià)值貢獻(xiàn)度，并以此帶動(dòng)富滇銀行結(jié)算、信貸及資金等多種業(yè)務(wù)發(fā)展，從而實(shí)現(xiàn)我行在強(qiáng)調(diào)穩(wěn)健經(jīng)營方式下可持續(xù)增長的目標(biāo)。 富滇銀行在財(cái)富中心建設(shè)方面還是空白，應(yīng)盡快建立財(cái)富中心并開展專門針對中高端客戶的專業(yè)化服務(wù)，結(jié)合富滇銀行業(yè)務(wù)發(fā)展實(shí)際對財(cái)富中心進(jìn)行準(zhǔn)確定位，制定科學(xué)合理的職能和職責(zé)，建設(shè)有戰(zhàn)斗力的團(tuán)隊(duì)，建立完善的激勵(lì)考核機(jī)制，走出一條特色化、差異化和專業(yè)化的財(cái)富中心建設(shè)道路。 在本文的第一部分闡述了研究的背景及目的，主要研究方法與技術(shù)路線，對于研究所面臨的困難和問題進(jìn)行了估計(jì)，提出了解決的應(yīng)對措施；第二部分探討了財(cái)富管理的涵義，并對帕累托定律、菲利普·科特勒營銷理論等財(cái)富管理業(yè)務(wù)的相關(guān)理論進(jìn)行了文獻(xiàn)綜述，進(jìn)一步闡明建設(shè)財(cái)富中心對于銀行零售業(yè)務(wù)發(fā)展的意義和作用；第三部分通過對我國國內(nèi)主要股份制商業(yè)銀行和國有商業(yè)銀行財(cái)富中心建設(shè)方面的對比，，總結(jié)和分析了我國銀行業(yè)財(cái)富中心的現(xiàn)狀和發(fā)展趨勢，以及由此帶來的啟示；第四部分闡述了富滇銀行建設(shè)財(cái)富中心具備的條件和存在的問題，從富滇銀行零售業(yè)務(wù)發(fā)展的現(xiàn)狀和客戶結(jié)構(gòu)現(xiàn)狀等方面，對建設(shè)財(cái)富中心進(jìn)行的SWOT分析；第五部分探討了富滇銀行財(cái)富中心建設(shè)規(guī)劃的設(shè)想，包括建設(shè)的路徑與運(yùn)營模式選擇、建設(shè)的對策和措施建議，從客戶服務(wù)、營銷管理、總體架構(gòu)、財(cái)務(wù)分析、激勵(lì)考核、品牌建設(shè)等方面，對富滇銀行建設(shè)財(cái)富中心提出了建議；結(jié)論部分對全文進(jìn)行總結(jié)，闡明富滇銀行應(yīng)盡快建立財(cái)富中心的重要性和必要性，同時(shí)，在建設(shè)過程中既要大膽汲取國有銀行和股份制銀行的成功經(jīng)驗(yàn)，又要認(rèn)真根據(jù)本行實(shí)際情況和特點(diǎn)，選擇自身的定位和模式，建設(shè)具有自身特色的財(cái)富中心或財(cái)富管理中心，吸引和留住優(yōu)質(zhì)個(gè)人客戶，最終在銀行業(yè)激烈的競爭大潮中迎來春天。
[Abstract]:The wealth center comes into being with the development of commercial bank wealth management business or private bank business.As a professional service platform for wealth management or private banking, the "wealth center" has gradually become an open arena for banks to attract high-end customers and compete for high-end customers.The construction of personal wealth center or wealth center has become the inevitable trend and choice of retail business development of modern commercial banks.In combination with the reality of Fudian Bank, the construction of wealth center is the requirement of its strategic orientation, the need of changing its development mode, and the concrete embodiment of building "retail bank" and "process bank".Through the establishment of wealth center, targeted for VIP customers, wealth management customers and high-quality individual loan customers represent the high-end customer service.Committed to customer fine management, according to customer characteristics of personalized products and cross-sales, improve the proportion of active customers and value contribution, and thus promote the bank settlement, credit and funds and other business development,In order to achieve our bank in the emphasis on sound management under the goal of sustainable growth.The wealth center should be set up as soon as possible and specialized service for the middle and high-end customers should be carried out, and the wealth center should be accurately positioned in combination with the development of the bank's business.It is necessary to establish scientific and reasonable functions and responsibilities, to build a combat effective team, to establish a perfect incentive and examination mechanism, and to set up a special, differentiated and specialized way to build a wealth center.In the first part of this paper, the background and purpose of the research, the main research methods and technical route, the difficulties and problems faced by the research are estimated, and the countermeasures are put forward, the second part discusses the meaning of wealth management.And the Pareto law, Philip Kotler marketing theory and other related theories of wealth management business literature review, to further clarify the construction of wealth center for the development of banking retail business significance and role;The third part summarizes and analyzes the present situation and development trend of the wealth center of China's banking industry by comparing the construction of the wealth center between the main joint-stock commercial banks and the state-owned commercial banks in China.The fourth part expounds the conditions and existing problems of constructing the wealth center of Fudian Bank. From the aspects of the present situation of retail business development and customer structure of Fudian Bank, the SWOT analysis of the construction of wealth center is carried out.The fifth part discusses the plan of wealth center construction of Fudian Bank, including the path of construction and the choice of operation mode, the countermeasures and measures of construction, from customer service, marketing management, general structure, financial analysis, incentive assessment.In the aspects of brand construction and so on, some suggestions are put forward to build the wealth center of Fudian Bank. The conclusion part summarizes the full text, and clarifies the importance and necessity of establishing the wealth center as soon as possible, at the same time,In the process of construction, we should not only learn from the successful experiences of state-owned banks and joint-stock banks, but also conscientiously choose their own positioning and mode according to the actual situation and characteristics of their own banks, and build wealth centers or wealth management centers with their own characteristics.Attract and retain high-quality individual customers, finally in the banking industry in the fierce competition spring.
【學(xué)位授予單位】：云南財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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