我国财富管理业务发展策略研究.pdfVIP

万方数据 万方数据 我国财富管理业务发展策略研究 摘 要 自 20 世纪 70 年代起，财富管理业务由于具有盈利能力强、客户稳 定性高、成长性突出等特征而得到商业银行、投资银行、保险机构等金 融机构的广泛关注。在国际金融危机的背景下，中国成为全球个人财富 增长最快的国家，财富管理市场迅速增长，也正从传统的制造大国向消 费大国和资本大国转变，在此宏观经济环境和行业发展背景下，系统研 究中国财富管理业务，尤其是借鉴国外成熟市场的典型业务运作模式， 提出完善国内财富市场的发展策略，不仅具有较强的理论意义，更有较 强的现实意义。 本文沿着“提出问题—分析问题—解决问题”的主线，在阐述相关 文献综述的基础上，分析了财富管理业务的相关理论，揭示了财富管理 业务的内涵及其运营特征，重点分析了国内财富管理业务的发展背景、 发展历程、发展现状、业务开展的有利条件以及当前存在的问题与不 足，并在借鉴国外财富管理业务典型运作模式的基础上，结合中国的实 际情况，提出了加快发展国内财富管理业务的有关建议和对策。 关键词：财富管理业务，典型模式，发展策略 万方数据 THE RESEARCH ON THE DEVELOPMENT STRATEGY OF WEALTH MANAGEMENT BUSINESS ABSTRACT Since 1970s, the wealth management business has been highly valued by commercial banks, investment banks, insurance institutions and other financial institutions because of its strong profitability, high customer stability, and outstanding growth. During the international financial crisis, China has become the fastest growing country of personal wealth and has become a global consumption and capital centre form manufacturing centre. Based on the current macroeconomic environment and industry development, it has not only the strong theoretical significance, but also the strong practical significance to research China`s wealth management business. Especially according to the typical business operation mode of foreign mature market, this paper proposes the development strategies to improve domestic wealth market. Based on the relevant literature reviews and relevant theories of the wealth management business, this paper analyzed the connotation and operating characteristics of the wealth management bus