【摘要】：第三方理財(cái)機(jī)構(gòu)，以其站在客戶角度獨(dú)立地分析客戶財(cái)務(wù)狀況和理財(cái)需求，判斷所需投資工具，并提供綜合性的理財(cái)規(guī)劃服務(wù)的獨(dú)特服務(wù)模式，在歐美國(guó)家早已成為理財(cái)市場(chǎng)不可或缺的一部分。然而，，我國(guó)第三方理財(cái)機(jī)構(gòu)歷經(jīng)近十年的發(fā)展始終難以形成規(guī)模。究其原因，其一在于第三方理財(cái)市場(chǎng)在我國(guó)遠(yuǎn)未開發(fā)；其二，第三方理財(cái)缺乏業(yè)內(nèi)相關(guān)法律法規(guī)扶持與監(jiān)管，導(dǎo)致該行業(yè)難以獲得客戶信任，發(fā)展舉步維艱。因此，如何開發(fā)第三方理財(cái)機(jī)構(gòu)在我國(guó)的市場(chǎng)，以及在中國(guó)特色的國(guó)情下找到適合第三方理財(cái)機(jī)構(gòu)發(fā)展的新途徑成為了一個(gè)亟待解決的任務(wù)。 本論文基于基本面分析法，在宏觀經(jīng)濟(jì)層面、行業(yè)層面、公司戰(zhàn)略層面及政策層面找到了影響第三方理財(cái)經(jīng)營(yíng)狀況與盈利能力的恰當(dāng)指標(biāo)，依據(jù)層次分析法構(gòu)建了相應(yīng)的評(píng)價(jià)指標(biāo)體系。通過(guò)向?qū)＜野l(fā)放調(diào)查問(wèn)卷的方式，獲取了相應(yīng)指標(biāo)的權(quán)重值與打分，在對(duì)問(wèn)卷數(shù)據(jù)進(jìn)行處理之后，通過(guò)對(duì)問(wèn)卷和客觀事實(shí)的詳盡分析對(duì)指標(biāo)體系內(nèi)各數(shù)據(jù)進(jìn)行了充分的解讀，進(jìn)而設(shè)計(jì)出一條適合我國(guó)第三方理財(cái)機(jī)構(gòu)的加速發(fā)展與提升贏利能力的行業(yè)發(fā)展路徑。同時(shí)，針對(duì)中國(guó)現(xiàn)階段國(guó)情，發(fā)掘第三方理財(cái)機(jī)構(gòu)與政府合作的新贏利點(diǎn)，并對(duì)于第三方理財(cái)機(jī)構(gòu)在政府扶持下對(duì)特殊人群、特殊資金提供理財(cái)規(guī)劃服務(wù)的模式進(jìn)行了構(gòu)架與探討。
[Abstract]:Third-party financial institutions independently analyze clients' financial situation and financial needs from the perspective of customers, judge the investment tools needed, and provide a unique service model for comprehensive financial planning services. In Europe and the United States has become an indispensable part of the financial market. However, the third-party financial institutions in China have been difficult to form scale after nearly 10 years of development. The reason lies in the fact that the third party financing market is far from being developed in our country. Second, the third party financial management lacks the support and supervision of relevant laws and regulations in the industry, which makes it difficult for the industry to gain customer trust and develop in a difficult way. Therefore, how to develop the market of third-party financial institutions in our country and find a new way suitable for the development of third-party financial institutions with Chinese characteristics has become an urgent task to be solved. Based on the fundamental analysis, this paper finds the appropriate indicators to affect the third party's financial management and profitability at the macroeconomic level, industry level, corporate strategy level and policy level. According to the analytic hierarchy process, the corresponding evaluation index system is constructed. By issuing questionnaires to experts, the weights and scores of the corresponding indicators are obtained. After processing the questionnaire data, the data in the index system are fully interpreted through the detailed analysis of the questionnaire and objective facts. Then it designs an industry development path suitable for the third party financial institutions in China to accelerate the development and enhance the profitability of the industry. At the same time, in view of the current situation in China, we will explore new profit points for third-party financial institutions to cooperate with the government, and for third-party financial institutions to special people with the support of the government. The special fund provides the financial management planning service pattern to carry on the frame and the discussion.
【學(xué)位授予單位】：北京化工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.39

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