發(fā)布時間：2018-06-28 15:13

  本文選題：個人理財(cái) + 產(chǎn)品創(chuàng)新　； 參考：《河北工業(yè)大學(xué)》2015年碩士論文

【摘要】：我國經(jīng)濟(jì)迅速發(fā)展,國民經(jīng)濟(jì)迅速提高促進(jìn)了居民的個人經(jīng)濟(jì)水平的提高,從而為個人理財(cái)業(yè)務(wù)的辦理和發(fā)展提供了良好的物質(zhì)基礎(chǔ),慢慢健全的投資理念同樣滿足了該業(yè)務(wù)非常大的市場需要。在這樣的背景下,居民也提升了對于資產(chǎn)保值以及增值的需求,成為理財(cái)業(yè)務(wù)的主要對象。另一方面,投資理財(cái)產(chǎn)品種類的擴(kuò)大,也給投資者帶來了更大選擇空間,同時這些產(chǎn)品的高收益也激發(fā)了投資者們的高熱清,對于更專業(yè)的理財(cái)服務(wù)和信息的渴望也快速高漲起來�，F(xiàn)在,銀行的個人理財(cái)市場展現(xiàn)出極為繁榮的勢態(tài)。每一種商業(yè)銀行間的競爭也是越來越激烈,商業(yè)銀行開始重視新產(chǎn)品的開發(fā),這對銀行的發(fā)展和提高利潤都有很大的影響,并且產(chǎn)品的創(chuàng)新是商業(yè)銀行的核心力量。可是,每個商業(yè)銀行在不斷創(chuàng)新的時候,同樣會有產(chǎn)品的構(gòu)造過于簡潔、種類不夠多、同質(zhì)化比較嚴(yán)重以及定位和定價(jià)不恰當(dāng)?shù)葼顩r。雖然商業(yè)銀行的各種理財(cái)產(chǎn)品興起的不早,可是其發(fā)展頻率還是比較快的。在產(chǎn)品持續(xù)創(chuàng)新的時候,出現(xiàn)了包括投資理念、獲益構(gòu)造和避免風(fēng)險(xiǎn)設(shè)計(jì)因?yàn)橥顿Y幣種等在內(nèi)的創(chuàng)新產(chǎn)品,具備了復(fù)雜的產(chǎn)品構(gòu)造和豐富的投資期限,同時有個性的產(chǎn)品設(shè)計(jì)和具有創(chuàng)新理念的品牌等優(yōu)點(diǎn)。但是慢慢的問題也就出來了,光大銀行北京分行的個人理財(cái)產(chǎn)品開始出現(xiàn)產(chǎn)品的設(shè)計(jì)雷同、不容易滿足差異性理財(cái)?shù)男枰痊F(xiàn)象,所以光大銀行北京分行一定要繼續(xù)實(shí)行業(yè)務(wù)的創(chuàng)新,讓理財(cái)者可以有更多的良好的理財(cái)產(chǎn)品可以選擇。本文首先對商業(yè)銀行個人理財(cái)產(chǎn)品的發(fā)展歷程進(jìn)行了回顧分析,概述了相關(guān)概念及創(chuàng)新動因,分析了創(chuàng)新影響。然后對光大銀行北京分行個人理財(cái)產(chǎn)品創(chuàng)新現(xiàn)狀進(jìn)行了分析,如投資幣種、投資期限、收益設(shè)計(jì)、產(chǎn)品掛鉤標(biāo)的、投資結(jié)構(gòu)以及風(fēng)險(xiǎn)規(guī)避等創(chuàng)新現(xiàn)狀,指出了其創(chuàng)新特點(diǎn)及發(fā)展趨勢。其次,對光大銀行北京分行個人理財(cái)產(chǎn)品創(chuàng)新中存在的問題進(jìn)行了分析,如產(chǎn)品創(chuàng)新設(shè)計(jì)能力不足,包括產(chǎn)品創(chuàng)新僅是簡單復(fù)制,量身定做產(chǎn)品有待完善,產(chǎn)品創(chuàng)新收益不盡人意;產(chǎn)品市場操作能力有待提升,包括市場調(diào)研力度不夠,人員配置有待提升,潛在風(fēng)險(xiǎn)揭示不夠透明;產(chǎn)品風(fēng)險(xiǎn)控制水平不高,包括風(fēng)險(xiǎn)防范能力弱,流動性風(fēng)險(xiǎn)概率較高;產(chǎn)品研發(fā)機(jī)制有待完善,包括產(chǎn)品研發(fā)管理水平不高,研發(fā)模式過于單一。最后,針對提出的這四方面問題,提出了相應(yīng)的創(chuàng)新策略。
[Abstract]:The rapid economic development of our country and the rapid improvement of the national economy have promoted the improvement of the personal economic level of the residents, thus providing a good material basis for the management and development of personal finance business. Slowly sound investment ideas also meet the business of very large market needs. In this context, residents also raise the demand for asset preservation and appreciation, become the main object of financial business. On the other hand, the expansion of the range of investment and financial products has also given investors more choice, and at the same time, the high returns of these products have also inspired investors to have a high degree of enthusiasm. The desire for more professional financial services and information is also rising rapidly. Now, the bank's personal finance market is showing an extremely prosperous trend. The competition among commercial banks is becoming more and more fierce. Commercial banks begin to attach importance to the development of new products, which has a great impact on the development of banks and increase profits, and product innovation is the core force of commercial banks. However, when every commercial bank innovates continuously, it will also have the situation that the structure of products is too simple, the types are not enough, the homogeneity is serious, and the positioning and pricing are not appropriate. Although the commercial bank's various financial products rise late, but its development frequency is still relatively fast. When the product continues to innovate, innovative products emerge, including investment concepts, profit structures and risk-avoidance designs because of the complex product structure and rich investment duration, including investment currencies, etc. At the same time has the individuality product design and has the innovation idea the brand and so on the merit. However, slowly the problem arose. The personal financial products of Everbright Bank Beijing Branch began to have similar designs, and it was not easy to meet the needs of different financial management, and so on. So Everbright Bank Beijing Branch must continue to carry out business innovation so that wealth managers can have more good wealth management products to choose from. Firstly, this paper reviews the development of personal financial products of commercial banks, summarizes the relevant concepts and innovative motives, and analyzes the impact of innovation. Then it analyzes the status quo of innovation of personal financial management products in Everbright Bank Beijing Branch, such as investment currency, investment period, income design, product hooks, investment structure and risk aversion. The innovation characteristics and development trend are pointed out. Secondly, it analyzes the problems existing in the innovation of personal financial management products in Everbright Bank Beijing Branch. For example, the ability of product innovation design is insufficient, including the simple copy of product innovation, and the customized products need to be improved. Product innovation income is unsatisfactory; product market operation ability needs to be improved, including insufficient market research, staffing to be improved, potential risk disclosure is not transparent; product risk control level is not high, including weak risk prevention ability, Liquidity risk probability is high, product R & D mechanism needs to be improved, including product R D management level is not high, R D mode is too single. Finally, aiming at the four problems raised, the corresponding innovation strategies are put forward.
【學(xué)位授予單位】：河北工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.2

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