本文選題：徽商銀行 + 理財產(chǎn)品��； 參考：《安徽財經(jīng)大學》2017年碩士論文

【摘要】：國內(nèi)各家商業(yè)銀行的理財產(chǎn)品種類近年來正不斷加速發(fā)展,理財業(yè)務收入占銀行收入的比重也逐步提高。從大環(huán)境看,利率市場化的進一步深入推進及金融脫媒對銀行業(yè)的沖擊,勢必要求商業(yè)銀行減少傳統(tǒng)存貸業(yè)務,加快中間業(yè)務的推進。與此同時,理財業(yè)務具備快速擴張的能力,在銀行控制好風險的情況下,能在負載端獲得更多低成本的資金,減緩利差收縮趨勢帶來的不利影響,因此理財產(chǎn)品已然成為各家銀行大力發(fā)展中間業(yè)務的切入點。隨之而來的是分行及各個支行網(wǎng)點的職責從辦理業(yè)務為主轉(zhuǎn)向金融銷售產(chǎn)品為主,從“交易中心”向“營銷中心”轉(zhuǎn)變,大大加快了理財產(chǎn)品的發(fā)展速度。徽商銀行作為我國中部地區(qū)規(guī)模最大的城市商業(yè)銀行,一直走在創(chuàng)新轉(zhuǎn)型的前列。本文以徽商銀行蚌埠分行為調(diào)研對象,深入展開實地調(diào)研,詳細了解其理財產(chǎn)品發(fā)展現(xiàn)狀。文章首先介紹徽商銀行理財產(chǎn)品的總體情況,并分析了蚌埠分行理財產(chǎn)品發(fā)售基本情況。之后,從產(chǎn)品供給的角度對理財產(chǎn)品的特征和主要產(chǎn)品進行分析,并以問卷調(diào)查的形式對蚌埠市民理財產(chǎn)品的需求進行探討。最后,從銀行供給端和市民需求端的對比中分析存在的錯配,歸納出蚌埠分行在發(fā)展理財產(chǎn)品的過程中遇到的相關(guān)問題,并提出具體的對策建議。
[Abstract]:The types of financial products of domestic commercial banks are accelerating in recent years, and the proportion of financial business income to bank income is also gradually increasing.From the point of view of the general environment, the further promotion of interest rate marketization and the impact of financial disintermediation on the banking industry are bound to require commercial banks to reduce the traditional deposit and loan business and speed up the promotion of intermediate business.At the same time, the wealth management business has the ability to expand rapidly, in the case of banks to control the risk, in the case of better access to the load side of the more low-cost funds, to mitigate the negative impact of the trend of interest rate contraction,Therefore, financial products have become the breakthrough point for banks to develop intermediary business.As the largest city commercial bank in central China, Huizhou Commercial Bank has been in the forefront of innovation and transformation.This article takes Bengbu Branch of Huizhou Merchants Bank as the research object, deeply carries out the field investigation, understands its financial management product development present situation in detail.The article first introduces the general situation of Huizhou bank financial products, and analyzes the basic situation of Bengbu Branch financial products sale.After that, the characteristics and main products of financial management products are analyzed from the point of view of product supply, and the demand for financial products of Bengbu citizens is discussed by questionnaire.Finally, this paper analyzes the mismatch between the bank supply side and the citizen demand side, sums up the related problems encountered by Bengbu Branch in the process of developing financial management products, and puts forward some specific countermeasures and suggestions.
【學位授予單位】：安徽財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2

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