财富管理业务问题研究.docxVIP

PAGE III 目录 摘 要 I Abstract I I 引 言1 1 支行财富管理现状2 1.1支行理财业务种类2 1.2支行财富管理客户等级4 2 支行财富管理业务存在问题5 2.1营销渠道狭窄5 2.2客户需求定位不准5 2.3服务团队专业性低6 3 提升支行财富管理业务的建议8 3.1丰富理财产品的营销渠道8 3.2准确定位客户需求8 3.3提高团队专业水平10 结论13 参考文献14 致谢16  摘 要 近几年来，沈阳市经济持续稳定提高。沈阳市有更多的高净值家庭选择享受专业的财富管理业务进行专业的理财与财富规划，以提高其资产价值，达到资产保值增值的目的。本文先阐述从支行财富管理现状，包括财富管理的业务种类、财富管理的客户等级；再分析从支行财富管理业务存在的问题分析，包括营销渠道问题、客户定位失准问题、服务团队专业性问题三个方面由浅入深地研究银行业财富管理业务的未来发展方向与发展需求，最后针对这三个问题提出相应的建议，分别为丰富产品的营销渠道、准确把握客户需求、提高团队的专业水平三种建议。 国内商业银行最大利润点是帮助高净值客户提供专业的高增值服务，并有效地从新配置和管理其资产。经过这些年的发展，国内的金融市场机制逐步完善和成熟，理财的专业队伍也在不断壮大，为银行财富管理等业务的发展提供了基础支持。在这种大环境下，如何保持财富管理业务现有规模的维护和扩大，是商业银行必须要考虑的方面。希望能为支行或同行业其他商业银行提供参考和借鉴。 关键词： 商业银行；财富管理；高净值；资产配置  Abstract In recent years, the econmy of Shenyang has been steadily improving. More and more high net worth families in Shenyang choose to enjoy professional wealth management business for professional financial management is to improve the value of its assets, in order to maintain and increase the value of assets. This article mainly focuses on the research object of the branch behavior of Shenyang Nanhu Science and Technology Development Zone and the research object of the behavior of China Merchants Banks Shenyang Nanhu Science and Technology Development Zone Branch of China Merchants Bank, including the business types, financial client registration department, and then from the existing problems of wealth management business of Shenyang Nanhu Science and Technology Development Zone Branch of China Merchants Bank This paper studies the future development direction and demand of wealth management business in banking industry from three aspects: marketing channel, customer positioning inaccuracy and service team professionalism. Finally, in view of these problems, three suggestions are put forward: enriching product marking channels, accurately grasping customer needs and improving team professionalism. The maximum profit point of domestic commercial banks is to help high net worth customers to provide professiona