【摘要】：互聯(lián)網(wǎng)以互動平臺的方式打破了時空界限,使得人們能夠在網(wǎng)絡社會交流各種各樣的信息�；ヂ�(lián)網(wǎng)在相繼進入通訊業(yè)、零售業(yè)等領(lǐng)域以后,又滲透進了金融業(yè)。與傳統(tǒng)金融行業(yè)相比,互聯(lián)網(wǎng)金融的不同之處在于互聯(lián)網(wǎng)金融是以大數(shù)據(jù)和云計算等技術(shù)為依托,以互聯(lián)網(wǎng)、社交網(wǎng)絡、移動互聯(lián)網(wǎng)等工具作為媒介,使得部分傳統(tǒng)金融業(yè)務在完全脫離傳統(tǒng)意義上的金融中介機構(gòu)的條件下,能夠為用戶提供信息透明度更高、運營成本更低、操作程序更加便捷、速度更快的金融服務。廣東DG銀行是一家老牌金融機構(gòu),經(jīng)過六十多年的不斷發(fā)展壯大。但是隨著當今互聯(lián)網(wǎng)金融時代的不斷發(fā)展,大環(huán)境下都面臨著一系列的考驗,本文主要從關(guān)鍵部分國內(nèi)外環(huán)境下手,來根據(jù)實際具體解析可以實行的措施,從而找到一條適合其自身發(fā)展的路徑。本文研究采用文獻研究法、經(jīng)驗總結(jié)法、案例分析法等方法對廣東DG銀行在互聯(lián)網(wǎng)金融沖擊下如何有效的開展基金銷售業(yè)務,首先分析研究的背景和國內(nèi)外研究現(xiàn)狀,為本文研究奠定一定的理論基礎;其次通過SWOT分析,對廣東DG銀行基金銷售業(yè)務進行深入研究,對廣東DG銀行在基金銷售業(yè)務中的優(yōu)勢、劣勢、機會和威脅逐一進行分析和說明,找出其存在的不足,主要是存在業(yè)務流程僵化、運營成本較高、技術(shù)能力較弱、創(chuàng)新人才不足等問題;然后根據(jù)DG銀行的劣勢和不足之處提供具體對策進行改善,包括加強業(yè)務創(chuàng)新、更新技術(shù)支持、提升客戶服務和完善風險管理和引進創(chuàng)新人才等方面,其中加強業(yè)務創(chuàng)新也是本文的重點描述之處,業(yè)務創(chuàng)新包括開展普惠金融、加強基金產(chǎn)品創(chuàng)新,將基金銷售與余額理財相結(jié)合、大力推廣基金銷售手機端APP和推出智能投顧業(yè)務,實現(xiàn)廣東DG銀行在基金銷售業(yè)務上的彎道超車。本文的研究本在進一步豐富銀行基金銷售理論研究體系的基礎上,對廣東DG銀行基金銷售提出建議,有利于廣東DG銀行的長期發(fā)展和提高銷售業(yè)績。
[Abstract]:The Internet breaks the boundaries of time and space by means of interactive platforms, enabling people to exchange various kinds of information in the network society. The Internet has penetrated into the financial sector after it has entered the communications, retail and other fields. The difference between Internet finance and traditional financial industry is that Internet finance is based on big data and cloud computing technology, with the Internet, social network, mobile Internet and other tools as the media. Some traditional financial services can provide users with higher information transparency, lower operating cost, more convenient operation procedures and faster financial services under the condition that some traditional financial services are completely divorced from the traditional financial intermediaries. Guangdong DG Bank is an established financial institution, after more than 60 years of continuous development and growth. However, with the continuous development of the Internet financial age, the general environment is facing a series of tests. This paper mainly starts from the key parts of the domestic and foreign environment to analyze the measures that can be carried out according to the actual situation. In order to find a suitable path for its own development. This article uses the literature research method, the experience summary method, the case analysis method and so on the method how to carry on the fund sale business effectively under the Internet financial impact of Guangdong DG bank, first analyzes the research background and the domestic and foreign research present situation. Secondly, through the SWOT analysis, the fund sales business of Guangdong DG bank is deeply studied, and the advantages and disadvantages of Guangdong DG bank in fund sales business are analyzed. The opportunities and threats are analyzed and explained one by one to find out its shortcomings, mainly the existence of ossified business processes, high operating costs, weak technical capacity, insufficient innovative personnel and so on. Then according to the disadvantages and shortcomings of DG Bank to provide specific countermeasures for improvement, including strengthening business innovation, updating technical support, improving customer service, improving risk management and introducing innovative talents, etc. Among them, strengthening business innovation is also the key part of this paper. Business innovation includes developing inclusive finance, strengthening fund product innovation, combining fund sales with balance management. Vigorously promote the fund sales mobile phone end APP and the introduction of smart investment business to achieve the Guangdong DG bank in the fund sales business detour overtaking. On the basis of further enriching the theoretical research system of bank fund sales, this paper puts forward some suggestions on the fund sales of Guangdong DG bank, which is conducive to the long-term development of Guangdong DG bank and the improvement of sales performance.
【學位授予單位】：深圳大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2

【相似文獻】

相關(guān)期刊論文 前2條

1 ;對德國DG銀行、荷蘭拉博(RABO)銀行的考察報告[J];中國農(nóng)村信用合作;1997年01期

2 ;[J];;年期

相關(guān)會議論文 前4條

1 張振;陸于平;朱國防;林霞;;DG接入配網(wǎng)后基于分布式通信系統(tǒng)的保護方案研究[A];中國高等學校電力系統(tǒng)及其自動化專業(yè)第二十四屆學術(shù)年會論文集（上冊）[C];2008年

2 趙月靈;孫鳴;李華忠;;DG容量及接入方式對變電站繼電保護的影響[A];中國高等學校電力系統(tǒng)及其自動化專業(yè)第二十四屆學術(shù)年會論文集（中冊）[C];2008年

3 邢俊波;吳禾;劉云;;HPLC法同時測定DG注射液中3種皂苷的含量[A];色譜分析在藥物分析中的應用專題學術(shù)研討會論文集[C];2004年

4 朱愛華;李之中;吳健琨;;DG型分布式大壩自動監(jiān)測系統(tǒng)中測控裝置機箱結(jié)構(gòu)設計[A];中國水力發(fā)電工程學會大壩安全監(jiān)測專業(yè)委員會年會暨學術(shù)交流會論文集[C];2000年

相關(guān)碩士學位論文 前10條

1 趙慶華;DG市垃圾衛(wèi)生填埋場建設項目風險管理研究[D];吉林大學;2015年

2 章楨;基于充分式原理的含DG配網(wǎng)比幅式差動保護研究[D];東南大學;2015年

3 馬飛;互聯(lián)網(wǎng)金融環(huán)境下廣東DG銀行基金銷售現(xiàn)狀及對策研究[D];深圳大學;2017年

4 劉先君;DG危險品場地重大危險源辨識與評價[D];大連理工大學;2013年

5 孫彥超;基于概率潮流的給定配網(wǎng)網(wǎng)絡結(jié)構(gòu)的DG定址定容問題研究[D];杭州電子科技大學;2015年

6 鄧智淵;DG鋼鐵公司海水淡化項目采購管理研究[D];東北大學;2011年

7 程鈺;長俊木瓜試管苗前期培養(yǎng)時間、株高和芽數(shù)對生根培養(yǎng)的影響及DG增殖方法的研究[D];西北農(nóng)林科技大學;2008年

8 劉穎;DG并網(wǎng)條件下配電網(wǎng)繼電保護問題研究[D];河南理工大學;2011年

9 王慧玲;擴展青霉脂肪酶的固定化及酶法制備1，3-DG的研究[D];南昌大學;2012年

10 蔡濟瑋;并網(wǎng)DG系統(tǒng)孤島檢測及劃分方法的研究[D];燕山大學;2012年

，

本文編號：2151227