【摘要】：目前,國(guó)內(nèi)金融機(jī)構(gòu)在拓展財(cái)富管理業(yè)務(wù)時(shí),經(jīng)常與資產(chǎn)管理業(yè)務(wù)相混淆,使得管理思路、發(fā)展定位不夠清晰,影響了財(cái)富管理市場(chǎng)的健康發(fā)展。雖然財(cái)富管理與資產(chǎn)管理的聯(lián)系較為緊密,但是兩者在基本概念、發(fā)展歷程、業(yè)務(wù)內(nèi)涵等方面存在著諸多差異。與資產(chǎn)管理相比,財(cái)富管理更能滿足客戶的個(gè)性化需求及跨市場(chǎng)資產(chǎn)配置需求,也更能適應(yīng)機(jī)構(gòu)與個(gè)人客戶需求細(xì)分的要求。當(dāng)前,金融機(jī)構(gòu)拓展財(cái)富管理業(yè)務(wù),面臨著市場(chǎng)基礎(chǔ)不牢固、品牌尚未得到有效培育、核心競(jìng)爭(zhēng)力缺乏等問(wèn)題和挑戰(zhàn)。為此,要著力完善產(chǎn)品譜系,夯實(shí)財(cái)富管理業(yè)務(wù)拓展的市場(chǎng)基礎(chǔ);抓住市場(chǎng)機(jī)遇,培育和樹(shù)立財(cái)富管理的品牌;回歸業(yè)務(wù)本質(zhì),打造財(cái)富管理業(yè)務(wù)的核心競(jìng)爭(zhēng)力。
[Abstract]:At present, when domestic financial institutions expand wealth management business, they are often confused with asset management business, which makes the management thinking and development orientation not clear enough, which affects the healthy development of wealth management market. Although wealth management and asset management are closely related, there are many differences in basic concepts, development process, business connotation and so on. Compared with asset management, wealth management can better meet the personalized needs of customers and cross-market asset allocation needs, but also better adapt to the requirements of institutional and individual customer needs segmentation. At present, financial institutions to expand wealth management business, facing the market foundation is not solid, brand has not yet been effectively cultivated, lack of core competitiveness and other problems and challenges. Therefore, it is necessary to perfect the product pedigree, consolidate the market foundation of wealth management business development, seize the market opportunity, cultivate and establish the brand of wealth management, return to the essence of business, and build the core competitiveness of wealth management business.
【作者單位】： 中國(guó)華融資產(chǎn)管理公司博士后科研工作站;中國(guó)社科院金融研究所博士后科研流動(dòng)站;
【分類號(hào)】：F832.2

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