本文選題：徽商銀行合肥分行　切入點：個人理財產(chǎn)品　出處：《安徽財經(jīng)大學(xué)》2017年碩士論文

【摘要】：隨著互聯(lián)網(wǎng)金融的快速發(fā)展,傳統(tǒng)銀行業(yè)務(wù)受到了巨大的沖擊,各大商業(yè)銀行紛紛尋求改革以應(yīng)對激烈的金融市場,不斷推出新型銀行業(yè)務(wù),以滿足客戶的投資需求,理財產(chǎn)品市場因此得到快速發(fā)展,對銀行業(yè)的多元化經(jīng)營起到了重要的推動作用。此外,隨著經(jīng)濟的發(fā)展,國內(nèi)居民的收入增長速度不斷上升,居民不再希望單純的把資金存在銀行卻只能得到微薄的利息收入,而是尋求更大的增值可能,對理財產(chǎn)品的需求也越來越高,這進一步促進了銀行理財產(chǎn)品的發(fā)展。但是隨之而來的各種問題也困擾著各大商業(yè)銀行,如何滿足不同層次的投資者需求的理財產(chǎn)品?如何控制好理財風(fēng)險來保護好投資者的利益?未來商業(yè)銀行的理財產(chǎn)品市場的發(fā)展道路依然任重道遠。本文以徽商銀行合肥分行個人理財產(chǎn)品為研究對象,采用調(diào)查問卷、對比分析等方法,從投資者的基本情況、行為動機和理財產(chǎn)品自身的要素統(tǒng)計三個方面分析徽商銀行合肥分行個人理財產(chǎn)品可能存在的問題,并從外部視角、內(nèi)部視角和投資者視角三個角度分析制約徽商銀行合肥分行個人理財產(chǎn)品發(fā)展的主要因素。最后給出一些建議,希望可以對徽行合肥分行和全國其他商業(yè)銀行的理財產(chǎn)品的研發(fā)、銷售和發(fā)展起到一定的參考作用。第一章主要介紹了調(diào)研的背景、調(diào)研的目的與意義、調(diào)研的方法以及創(chuàng)新點與不足點;第二章主要介紹了徽商銀行合肥分行理財產(chǎn)品的發(fā)展狀況;第三章在總結(jié)了徽商銀行合肥分行理財產(chǎn)品面臨的狀況基礎(chǔ)上進行問卷的設(shè)計與發(fā)放并對問卷調(diào)研的結(jié)果進行統(tǒng)計分析;第五章從三個角度分析制約徽商銀行合肥分行理財產(chǎn)品發(fā)展的主要因素并分析其存在的問題;第六章對理財產(chǎn)品的發(fā)展提出對策。希望本次調(diào)研的結(jié)果能對未來銀行業(yè)理財產(chǎn)品的發(fā)展提供一些建議。
[Abstract]:With the rapid development of Internet finance, the traditional banking business has been greatly impacted. The major commercial banks have sought to reform to deal with the fierce financial market, and continue to launch new banking business to meet the investment needs of customers. As a result, the rapid development of the wealth management product market has played an important role in promoting the diversification of the banking sector. In addition, with the development of the economy, the income growth rate of domestic residents has been rising. Residents no longer want to keep their money in the bank but can only earn a meagre interest income. Instead, they seek greater possibilities of appreciation, and the demand for wealth management products is also increasing. This has further promoted the development of banking financial products. However, the following problems are also puzzling the major commercial banks, how to meet the needs of investors at different levels of financial products? How to control the financial risk to protect the interests of investors? There is still a long way to go for the development of the financial products market of commercial banks in the future. This paper takes the personal financial products of Hefei Branch of Huizhou Commercial Bank as the research object, using questionnaire, comparative analysis and other methods, from the basic situation of investors. This paper analyzes the possible problems of the personal financial products in Hefei Branch of Huizhou Commercial Bank from three aspects: behavioral motivation and the statistics of the elements of the financial products themselves, and from an external perspective, This paper analyzes the main factors restricting the development of personal finance products in Hefei Branch of Huizhou Commercial Bank from the internal perspective and investor perspective. Finally, some suggestions are given. It is hoped that it can be used as a reference for the development, sales and development of financial management products in Huixing Hefei Branch and other commercial banks throughout the country. The first chapter mainly introduces the background, purpose and significance of the investigation. The second chapter mainly introduces the development of Huizhou Commercial Bank Hefei Branch's financial products. The third chapter summarizes the financial products of Huizhou Commercial Bank Hefei Branch on the basis of the design and distribution of the questionnaire and the results of statistical analysis of the questionnaire; The fifth chapter analyzes the main factors restricting the development of Huizhou bank Hefei branch financial products from three angles and analyzes its existing problems; The sixth chapter puts forward the countermeasures to the development of financial products, and hopes that the results of this research can provide some suggestions for the development of banking financial products in the future.
【學(xué)位授予單位】：安徽財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.2

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