【摘要】：近年來，隨著我國經(jīng)濟(jì)的穩(wěn)定持續(xù)發(fā)展，居民的整體收入有了質(zhì)的飛躍。老百姓富起來，其對物質(zhì)文化生活也有了新的要求。國內(nèi)的居民財(cái)富的迅速增長，讓他們逐步開始接受理財(cái)?shù)挠^念，也希望通過專業(yè)機(jī)構(gòu)來滿足他們對財(cái)富保值增值的愿望。于是，個(gè)人理財(cái)業(yè)務(wù)以其資源廣、風(fēng)險(xiǎn)低、易操作、收益穩(wěn)定成為了銀行新的利潤增長點(diǎn)。 本文針對工行HS支行開展個(gè)人理財(cái)業(yè)務(wù)中存在的問題進(jìn)行了系統(tǒng)的分析研究，并結(jié)合實(shí)際設(shè)計(jì)出一套合理的執(zhí)行方案來優(yōu)化該支行個(gè)人理財(cái)業(yè)務(wù)的實(shí)際工作。首先，本文簡述了選題背景和意義、個(gè)人理財(cái)?shù)母拍�，以及國�?nèi)外商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)開展的歷史階段。其次，簡述了工行HS支行內(nèi)部的基本情況、支行在市場上主要發(fā)售的理財(cái)產(chǎn)品種類及其風(fēng)險(xiǎn)等級。再次，結(jié)合工行HS支行的實(shí)際情況，通過合理規(guī)劃理財(cái)市場定位、分析客戶群體特點(diǎn)、總結(jié)業(yè)務(wù)發(fā)展現(xiàn)狀，進(jìn)而確定該行在理財(cái)業(yè)務(wù)開展中所具備的優(yōu)勢、面臨的機(jī)會、存在的劣勢和競爭的威脅。最后，針對上述存在的問題，主要從加強(qiáng)升級支行網(wǎng)點(diǎn)建設(shè)、積極引導(dǎo)全員樹立理財(cái)意識、多元化提升理財(cái)師隊(duì)伍的管理和開拓優(yōu)化市場營銷組合這四個(gè)方面入手，為HS支行量身制定有效的改革措施，來完善和強(qiáng)化工行HS支行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展工作，緊貼市場及客戶需求，努力打造出卓越的銀行個(gè)人理財(cái)業(yè)務(wù)品牌。
[Abstract]:In recent years, with the steady and sustainable development of our economy, the overall income of residents has made a qualitative leap. People become rich, its material and cultural life also has new requirements. The rapid growth of the wealth of domestic residents makes them gradually begin to accept the concept of financial management, but also through professional institutions to meet their desire to maintain and increase wealth. As a result, personal finance business has become a new profit growth point for banks because of its wide resources, low risk, easy operation and stable income. This paper makes a systematic analysis and research on the problems existing in the personal finance business of ICBC HS branch, and designs a set of reasonable execution plan to optimize the practical work of personal finance business of ICBC HS Branch. First of all, this paper briefly describes the background and significance of the topic, the concept of personal finance, as well as the development of domestic and foreign commercial banks personal finance business history. Secondly, the paper introduces the basic situation of ICBC's HS branch, the types of financial products sold by ICBC's HS branch in the market and its risk level. Thirdly, combined with the actual situation of ICBC HS branch, through the rational planning of financial market positioning, analysis of the characteristics of customer groups, summed up the status quo of business development, and then determine the advantages of the bank in the development of financial services, facing opportunities, Weaknesses and competitive threats. Finally, in view of the problems mentioned above, we mainly start with the four aspects of strengthening the construction of the upgrading branch network, actively guiding the whole staff to establish a sense of financial management, diversifying the management of the financial planner team and exploiting and optimizing the marketing mix. To establish effective reform measures for HS branch to perfect and strengthen the development of ICBC HS branch's personal finance business, to stick to the market and customer demand, and to make great efforts to create an outstanding brand of bank personal finance business.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2

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