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论文编号：	10559
作者编号：	2120163147
上传时间：	2018/12/6 22:41:27
中文题目：	智能投顾背景下ZS证券公司财富 管理转型研究
英文题目：	Research on Wealth Management Transformation of ZS Securities Company under the background of Intelligent Investment
指导老师：	黄福广
中文关键字：	ZS证券公司；财富管理；智能投顾
英文关键字：	ZS Securities Company；Wealth Management；Intelligent Investment
中文摘要：	近年来证券行业发展迅速，但是伴随着2015年一人多户的放开，证券行业传统经纪业务竞争逐渐呈现“白热化”状态，随之而来的便是证券行业佣金水平急剧下滑。与此同时，随着国内国民财富的不断积累，国民对财富管理的需求从单一理财目标转变为追求更为多元化的资产配置，在这种背景下，证券公司纷纷加大自身财富管理转型的力度。伴随金融科技的不断兴起，智能投顾开始进入大家的视野，券商纷纷将目光瞄向了金融科技衍生的一系列新生事物并着手布局智能投顾发展，从而助力自身的财富管理业务转型。本文从ZS证券公司自身、行业发展、经济环境等方面阐述了ZS证券公司进行财富管理转型的现状和面临的各种问题，从ZS证券公司自身来看传统商业模式的缺陷已经严重影响了公司自身的发展，证券、银行及互联网金融等行业财富管理业务竞争激烈，加之目前国内财富管理需求增大，而监管形势趋严，金融市场面临进一步的对外开放，这就使得目前ZS证券公司的财富管理转型极具挑战性。继而本文从客户需求端、金融产品供给端以及实现客户与产品对接的财富顾问三个方面对ZS证券公司目前的问题进行了深入剖析，投资者不成熟、金融产品及服务体系不完善、投资顾问团队服务能力受限都是ZS证券公司财富管理转型中的重大阻碍，最后本文从ZS证券公司的前台业务部门、中台风控部门以及后台信息技术部门提出了在目前智能投顾背景下ZS证券公司财富管理转型的建议和措施，以解决目前客户服务过程中需求端、供给端以及服务环节的种种问题，从而促使财富管理转型成功。在当前金融科技大发展的环境下，智能投顾的发展一方面可以有效提升ZS证券公司人工投顾进行客户服务的效率，另一方面为ZS证券公司开辟了另一条全新的客户服务途径，将极大地促进ZS证券公司财富管理业务转型。本文虽然只针对ZS证券公司的财富管理转型进行研究，但是ZS证券公司作为国内排名稳居前十的综合型券商，在一定程度上体现了券商行业财富管理业务的发展进度，因此对其他证券公司，尤其是综合型券商具有较好的借鉴意义。
英文摘要：	In recent years, the securities industry has developed rapidly, but with the liberalization of one person and more households in 2015, the traditional brokerage business competition in the securities industry has gradually taken on a "white-hot" state, followed by a sharp decline in the commission level of the securities industry. At the same time, with the continuous accumulation of national wealth, the national demand for wealth management has changed from a single financial management goal to a more diversified asset allocation. Securities companies have increased their wealth management transformation. With the continuous rise of financial technology, intelligent investment began to enter the field of vision, securities companies have focused their attention on a series of financial technology derivatives New things and start the layout of intelligent development, thus helping their wealth management business transformation. This paper expounds the status quo and various problems faced by ZS securities companies in the transformation of wealth management from the aspects of ZS securities company itself, industry development, economic environment, etc. From the perspective of the ZS Securities Company itself, the defects of the traditional business model have seriously affected the development of the company itself. The securities, banking, Internet finance and other industries, such as wealth management business competition, coupled with the current domestic demand for wealth management has increased. The financial market is facing further opening to the outside world, which makes the wealth management transformation of ZS securities companies extremely challenging. Then this article from the client demand side, financial product supply side and the realization guest The wealth consultant who interfaced the household with the product has deeply analyzed the current problems of ZS securities company, the investors are immature, the financial products and service system is not perfect, The limited service ability of investment advisory team is a major obstacle in the transformation of wealth management of ZS Securities Company. Finally, this paper starts from the foreground business department of ZS Securities Company. The Typhoon Control Department and the backstage Information Technology Department have put forward suggestions and measures to transform the wealth management of ZS Securities Company under the background of the current intelligent investment, in order to solve the demand side in the current customer service process. Supply side and service links of various problems, thus promoting the success of the transformation of wealth management. With the great development of financial technology, on the one hand, the development of intelligent investment can effectively improve the efficiency of ZS securities companies' manual customer service, on the other hand, it opens up another brand new way of customer service for ZS securities companies. Will greatly promote the ZS Securities Company wealth management business transformation. Although this paper only focuses on the wealth management transformation of ZS securities companies, as the top 10 comprehensive securities firms in China, to some extent reflect the development progress of wealth management business in the securities industry. Therefore, it can be used for reference by other securities companies, especially comprehensive securities firms. Meaning.
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