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摘要:股份制银行Joint-stock bank 下面为大家整理一篇优秀的paper代写范文-Joint-stock bank,供大家参考学习,这篇论文讨论了股份制银行。近年来,许多互联网金融出现,因为很多银行和外资机构在华金......

股份制银行  Joint-stock bank


下面为大家整理一篇优秀的paper代写范文- Joint-stock bank,供大家参考学习,这篇论文讨论了股份制银行。近年来,许多互联网金融出现,因为很多银行和外资机构在华金融迅猛发展,特别是股份制银行的巨大发展。但股份制银行财富管理市场还处于起步阶段,因此要控制银行的风险。对股份制银行协调处理机制,资源共享。资产管理质量,给财富管理业务打下坚实的基础。

In recent years, many Internet finance has emerged because of the rapid development of many Chinese Banks and foreign institutions in China, especially the development of joint-stock Banks. The deposit rate of state-owned Banks is no longer a favorable environment for survival and development in the competition. There is only one answer to the question of how share-holding Banks can compete in financial markets.

Current interest rate controls have been liberalised, limits on lending rates and the ceiling on deposit rates. Not only does it mean that joint-stock Banks face adverse selection, but prices are falling again, making savings bonds face many challenges. Because of the trend of interest rate, many Banks and enterprises can provide a platform of fair competition, which leads to fierce competition in financial markets.

Financial disintermediation increasingly rapid development of China's capital market and bank loans high thresholds, a large number of enterprises in the capital market to issue bonds, stocks or monetary capital supply and demand, avoid reduce joint-stock bank deposit and lending, Banks play a role of financial intermediary.

Strengthen capital constraint, according to the "commercial bank capital management method", starting in January 2013, commissioning, strengthen the capital constraint, break through the commercial bank credit bank market share, forcing the financial service concept and business model innovation, but this is also one of the joint-stock Banks vulnerability.

 
近年来,许多中资银行和外资机构在中国的快速发展,特别是股份制银行的发展,催生了许多互联网金融。国有银行的存款利率已不再是竞争中生存和发展的有利环境。对于持有股份的银行如何在金融市场上竞争这个问题,只有一个答案。
 
目前的利率管制已经放开,对贷款利率进行了限制,对存款利率设置了上限。这不仅意味着股份制银行面临逆向选择,而且价格再次下跌,使得储蓄债券面临诸多挑战。由于利率的趋势,许多银行和企业可以提供一个公平竞争的平台,这导致了金融市场的激烈竞争。
 
金融脱媒日益快速发展的中国资本市场和银行贷款门槛高,大量企业在资本市场上发行债券、股票或货币资金供求,避免降低股份制银行存贷款,发挥银行的金融中介作用。
 
加强资本约束,根据《商业银行资本管理办法》,从2013年1月开始试行,加强资本约束,突破商业银行信贷银行的市场份额,迫使金融服务理念和商业模式创新,但这也是股份制银行的脆弱性之一。
 
In 1994, the functions, loans and policies of Banks were transformed between national development and Banks in accordance with the reform and construction of the state investment system. While China construction bank has become a modern commercial Banks of the state-owned holding company, but to maintain financial market stability, also need through the national institutions, as well as conservative values, developing wealth management is a lack of understanding, the slow pace of reform, which limits the development of wealth management business. Independent management and regulation limits China's financial development. Regulatory policy means that Banks only have customers in the relevant financial services, which reduces the amount of financial products generally purchased. They also have the need to cover insurance, securities and trusts. There's a big constraint on line y.

According to the needs of customers, different services are provided, and wealth management is essentially satisfying the needs of customers, so that the customers' financial planning and wealth management can be properly handled. Therefore, a clear positioning is needed to find customers, understand the needs of customers and conduct market segmentation of various services.

Product innovation is the premise of understanding the customer's financial goals, in accordance with the requirements of the customers targeted for the development of financial products, especially for the development of the relevance and the comprehensive service ability, high value-added financial advisers and agent products, improve product innovation ability not only to develop a variety of financial products, but also focus on the financial and other product research and development, improve the financial management of the joint-stock Banks and financial transactions of a range of services, financial management of the joint-stock Banks different from competitors, and make the joint-stock Banks in the competition.

1994年,随着国家投资体制的改革和建设,银行的职能、贷款和政策在国家开发银行和银行之间进行了转变。而中国建设银行已经成为现代商业银行的国有控股公司,但以保持金融市场稳定,还需要通过国家机构,以及保守的价值观,发展财富管理是缺乏理解,改革的步伐缓慢,这限制了财富管理业务的发展。独立的管理和监管限制了中国金融的发展。监管政策意味着银行只有从事相关金融服务的客户,这就减少了一般购买的金融产品数量。它们还需要覆盖保险、证券和信托。在直线y上有一个很大的限制。
 
根据客户的需求,提供不同的服务,而财富管理本质上就是满足客户的需求,使客户的理财和财富管理得到妥善处理。因此,需要有一个明确的定位,找到客户,了解客户的需求,对各种服务进行市场细分。
 
产品创新是理解客户的财务目标的前提下,按照客户的要求针对金融产品的发展,尤其对发展的相关性和综合服务能力,高附加值的财务顾问和代理产品,提高产品创新能力不仅开发各种金融产品,但也关注金融和其他产品的研究和开发,完善股份制银行的财务管理和理财业务的一系列服务,使股份制银行的财务管理区别于竞争对手,使股份制银行在竞争中脱颖而出。

China is a vast country, affected by different fields, such as history, politics, economy, customs and so on. It has a great demand for it. For wealth management Banks to manage a large number of houses, a wide range of different area of the area of the client, the wealth management needs of customers have different difference, so according to this advantage. Therefore, the bank can give full play to its advantages, integrate the wealth of commercial resources, and ensure the safety of the management business.

Due to dissatisfaction with the service quality of the bank, the service fee will be lost to the customers. These services include: financial investment experience in the customization of financial products, pension and pension insurance, fund insurance, property inheritance law, taxation, etc. At present, the financial products and financial services in the market are relatively unitary, lacking personalized modeling and color, which can not meet the requirements of diversification and personalization of high net worth clients. Therefore, the construction bank needs a huge customer database to identify and analyze the needs of customers, improve personal financial products for high net worth customers, and meet the differences in financial services. Wealth management business is a high-tech knowledge-intensive service industry, which requires extensive knowledge, experience, technology, ability and social responsibility. So, the construction bank should training staff, training in wealth management business financial professional knowledge, improve their professional skills, marketing skills training, professional team in customer loyalty.
 
中国是一个幅员辽阔的国家,受历史、政治、经济、风俗习惯等不同领域的影响。它的需求量很大。对于理财银行来说,所管理的房产数量大、范围广、地域不同的客户,客户的理财需求有不同的差异,所以根据这种优势。因此,银行可以充分发挥自身优势,整合丰富的商业资源,确保管理业务的安全。
 
由于客户对银行的服务质量不满意,服务费用将流失给客户。这些服务包括:金融产品定制的金融投资体验、养老与养老保险、基金保险、财产继承法、税收等。目前市场上的金融产品和金融服务比较单一,缺乏个性化的造型和色彩,不能满足高净值客户多样化和个性化的需求。因此,建设银行需要庞大的客户数据库来识别和分析客户需求,完善针对高净值客户的个人理财产品,满足金融服务的差异性。财富管理业务是高新技术知识密集型的服务业,需要广泛的知识、经验、技术、能力和社会责任。所以,建设银行应该对员工进行培训,对理财业务的金融专业知识进行培训,提高自身的专业技能,对营销技能进行培训,在客户忠诚度方面对专业团队进行培训。

First, give full play to the advantages of capital and expand the scope of business. For good commercial Banks, we can actively carry out new business of Internet finance, and gradually accelerate business penetration into e-commerce, mobile payment, Internet finance and other fields. The second is to improve the database, make full use of big data to strengthen the management of credit and risk information, and introduce the data control model to effectively screen customers, measure risks and guide product pricing. Third, innovative service mode, providing a multi-channel, one-stop service. In the big data applications, cloud computing, mobile payment, social media and other innovative technology, will make the traditional bank branch bank "wisdom" and realize the basic financial products and effective docking, the Internet provide multi-channel sales, personalized service, customer experience as the norm, reasonable launch innovative financial products and services, improve service efficiency and customer satisfaction.

The joint-stock bank wealth management market is still in its infancy, so it is necessary to control the risk of the bank. The joint - stock bank coordination mechanism, resources sharing. Asset management asset management quality, to wealth management business lay a solid foundation.
 
第一,充分发挥资金优势,扩大经营范围。对于优秀的商业银行,可以积极开展互联网金融新业务,逐步加快业务渗透到电子商务、移动支付、互联网金融等领域。二是完善数据库,充分利用大数据加强信用和风险信息管理,引入数据控制模型,有效筛选客户,度量风险,引导产品定价。第三,创新服务模式,提供多渠道、一站式服务。在大数据应用、云计算、移动支付、社会媒体和其他创新技术,将使传统银行分行“智慧”,实现基本的金融产品和有效的对接,互联网提供多渠道销售,个性化的服务,客户体验为标准,合理的推出创新的金融产品和服务,提高服务效率和客户满意度。
 
股份制银行理财市场还处于起步阶段,因此有必要对银行的风险进行控制。建立股份制银行协调机制,资源共享。资产管理资产管理质量,为财富管理业务奠定坚实的基础。

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