發(fā)布時間：2018-04-13 22:19

  本文選題：財富管理 + 客戶關(guān)系管理��； 參考：《寧夏大學》2017年碩士論文

【摘要】：中國已成為世界第二大經(jīng)濟體,經(jīng)濟不斷增長,社會持續(xù)穩(wěn)定發(fā)展,人們的生活質(zhì)量不斷提高,我國富裕階層的人數(shù)及其財產(chǎn)規(guī)模不斷增多。根據(jù)2016年福布斯發(fā)布的《2015年中國大眾富裕階層財富白皮書》顯示,截至2015年底,中國富裕階層人數(shù)達到1528萬,福布斯所指的中國富裕階層是指個人可投資資產(chǎn)在60萬人民幣至600萬人民幣之間的中高凈值人群,中國國內(nèi)可投資資產(chǎn)超過1000萬元人民幣的高凈值人士數(shù)量已逾105萬人,高凈值客戶越來越成為財富管理機構(gòu)尤其是金融機構(gòu)的重要客戶群。目前,中國銀行業(yè)正在處于轉(zhuǎn)型升級的重要關(guān)鍵時期,隨著存貸款利率的市場化,利差不斷縮小,銀行以利差為主要收益的時代已然即將過去。從國外先進經(jīng)驗來,銀行業(yè)轉(zhuǎn)型升級的一個重要方面就是提供更多的中間服務(wù)(中間業(yè)務(wù)收入的重要來源是資管業(yè)務(wù)、理財收入)。2016年,我國國內(nèi)個人可投資資產(chǎn)規(guī)模高達157萬億,且每年以15%的速度遞增。面對如此龐大并且發(fā)展?jié)摿o限的高凈值客戶市場,有必要從金融機構(gòu)開展財富管理業(yè)務(wù)的角度對高凈值客戶關(guān)系管理進行全面而深入的研究。為此,論文以筆者所從事的行業(yè)為背景,結(jié)合MBA理論學習和工作實踐,通過對國內(nèi)外商業(yè)銀行財富管理業(yè)務(wù)發(fā)展現(xiàn)狀進行研究,提煉出可借鑒的國內(nèi)外商業(yè)銀行先進財富管理做法,針對A行寧夏分行財富管理業(yè)務(wù)現(xiàn)狀、發(fā)展和存在的問題,通過理論結(jié)合實際的分析方法,從客戶關(guān)系管理方向,探究如何構(gòu)建完善的分層級的客戶關(guān)系管理體系和管理思維,搭建可拓展的、可推廣的、適應(yīng)互聯(lián)網(wǎng)和大數(shù)據(jù)運營的基于客戶關(guān)系管理的財富管理系統(tǒng),對A行寧夏分行財富管理業(yè)務(wù)發(fā)展進行補充和完善,為財富管理業(yè)務(wù)的轉(zhuǎn)型升級提供成功參考模式。
[Abstract]:China has become the second largest economy in the world, its economy is growing, society is developing steadily, people's quality of life is improving, and the number of rich class and its property scale are increasing.The number of wealthy Chinese reached 15.28 million by the end of 2015, according to Forbes' 2015 White Paper on the Wealth of the Chinese masses.Forbes refers to the wealthy class in China, who are individuals with assets ranging from 600000 yuan to 6 million yuan. The number of high net worth individuals with investable assets of more than 10 million yuan is more than 1.05 million in China.High net worth customers have become an important customer base of wealth management institutions, especially financial institutions.At present, China's banking industry is in an important period of transformation and upgrading. With the marketization of deposit and loan interest rates, the interest rate gap is shrinking, and the era of bank interest margin as the main income has passed.From the advanced experience of foreign countries, an important aspect of banking transformation and upgrading is to provide more intermediate services.The scale of individual investable assets in China is as high as 157 trillion, and increases by 15% every year.In the face of such a huge market with unlimited potential, it is necessary to carry out a comprehensive and in-depth study on high net worth customer relationship management from the perspective of wealth management business of financial institutions.Therefore, based on the background of the industry engaged in by the author, combined with the study and practice of MBA theory, this paper studies the present situation of wealth management business of commercial banks at home and abroad.Abstract the advanced wealth management practices of domestic and foreign commercial banks, aiming at the present situation, development and existing problems of wealth management business in Ningxia Branch of Bank A, through theoretical and practical analysis methods, from the direction of customer relationship management,Explore how to build a perfect hierarchical customer relationship management system and management thinking, build a scalable, extensible, adaptable to the Internet and big data operating wealth management system based on customer relationship management,The development of wealth management business in Ningxia Branch of Bank A is supplemented and perfected to provide a successful reference mode for the transformation and upgrading of wealth management business.
【學位授予單位】：寧夏大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2

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本文編號：1746453