文档介绍：摘要
个人理财业务作为一项新兴的低风险、低成本、高收益的中间业务,它不仅可以增加银行的中间业务收入,带动银行零售业务的整体发展,而且还可以为银行带来大量的本外币存款的资金沉淀。个人理财业务市场蕴藏着巨大商机,已经成为国内外银行同业的竞争焦点,。中国银行作为国内首家推出个人理财服务的银行,目前与同业相比,已经落后于国内外同业。为了实现中国银行的整体发展战略,加快零售业务的大发展,有必要从战略的角度对中国银行的个人理财业务进行思考和研究。
本文基于中国银行总行对其辖属两家分行个人理财业务的一系列调查,确定了中国银行哈尔滨中山路支行个人理财业务未来发展战略。首先,通过中国银行哈尔滨中山路支行对个人理财业务市场的问卷调查,结合国内外同业的发展状况,对个人理财服务进行了综合而全面地阐述;然后,依据对我国个人理财业务市场现状的分析,将中国银行哈尔滨中山路支行的个人理财业务市场定位于中高收入阶层,并结合问卷调查,对这些潜在客户的理财和需求特点进行了分析;接着结合国内外同业个人理财业务的发展状况,对国内个人理财的竞争态势及中国银行哈尔滨中山路支行个人理财业务发展现状进行了分析;在此基础上,寻求中国银行哈尔滨中山路支行个人理财的市场机遇,并结合自身特点和资源投入情况,确定中国银行哈尔滨中山路支行个人理财发展战略目标及实施方案;最后就中国银行哈尔滨中山路支行个人理财业务整体战略、远景规划、总体经营目标、机构建设、技术支持、客户经理选拔和培训等几个方面提出建议。
关键词:个人理财,市场,策略,实施
Abstract
Personal finance as one of the newly arisen intermediary business with low risk,low cost and high e present the trend of quick can not only increase the intermediary business e of the bank,arouse the whole of bank personal business to develop,but also can bring the flood of a fund of both domestic and foreign currencies deposits to the financial market contains great business opportunities,having e petition focus of the domestic and inter national banking leading international banks abroad not only sets foot in quietly,but also the development of local banking industry is flat-out quickly,making us feel the pressure of petition paring with the others,the Bank of China who first provided personal financial service is already in arrear of both the domestic and international banking the sake of the whole that realizes the development strategy of the Bank of China and quick development of its personal business,it is necessary to consider and study from the angle of the strategy on the personal financial business of the Bank of China.
This paper,according to a series of inquisition of the Bank of China head office concerning two of its branches 'personal financial business and questionnaire of the personal financial business market investigation,has determi