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论文编号：	13647
作者编号：	2320200552
上传时间：	2022/12/5 15:01:24
中文题目：	F证券财富管理业务数字化转型研究
英文题目：	Research on the Digital Transformation of Wealth Management of F Securities
指导老师：	白长虹
中文关键字：	证券行业；财富管理业务；数字化转型策略
英文关键字：	Founder SecuritiesWealth Management Business Digital Transformation Strategy
中文摘要：	伴随中国经济的飞速发展，中国的财富管理迅速崛起，已拥有全球规模最大的、交易最活跃的投资者群体。在当下的数字时代，如何把握转型升级新浪潮、新方向，获得发展新动能，是财富管理机构面临的主要问题。随着社会信息技术的飞速发展，人工智能、云计算、大数据等金融科技创新能力的不断提升，数字化转型给传统证券行业的市场发展带来了新的冲击，但同时也提高了证券行业的发展效率，提升了创新能力，促进了商业模式的变革，丰富了金融服务的工具。推动证券行业数字化转型，推动行业的质量变革、动力变革、效率变革将是证券行业高质量发展的必由之路。 数字经济的发展是我国未来经济发展的重要手段，也是在“十四五”规划中主要强调的发展改革内容。随着我国社会经济的快速发展，只有不断推动数字化转型，才能更好地带动社会经济的发展与进步。数字化转型也是优化资源配置，满足社会需求、改变经济现状以及提高发展规划的重要方式，推动生产关系和生产要素产生更大的生产力价值。企业作为微观主体，在市场经济发展的过程中需要不断提升数字经济的快速发展，为数字化的建设贡献更多的力量。 国内证券行业普遍存在财富管理平台建设不完善，财富管理工具选择比较单一，金融理财产品缺乏创新，资本市场投资者结构不合理，资本市场投资理念不成熟等问题。在信息技术和金融科技创新飞速发展的背景下，券商通过数字化转型可以提供更自然的客户营销、更精准的客户服务、更极致的客户体验，财富管理业务数字化转型成为大势所趋。面向证券行业目前的竞争格局，对于大券商来说，均衡发展是做大做强的必由之路，对于中小券商，找准定位实现差异化竞争形成自身特色优势才能在市场竞争中占有一席之地。 F证券是中国首批综合类券商，上海证券交易所、深圳证券交易所首批会员。作为中型券商当中有业务特色、区域特色的公司，财富管理业务是公司核心创收业务，如何利用互联网时代的机遇，如何采取适合自己的数字化转型策略，如何在行业竞争中实现突围，同时更好地实现业务盈利模式的转型升级，在传统业务经营的基础上提高创新服务意识，形成协同发展的有利新局面，是本文主要研究目的。本文立足于营销管理的基础理论，数字化转型的科技运用，结合F证券行业地位，财富管理业务发展状况，数字化转型实践及问题分析，提出未来数字化转型策略和建议，走出有公司特色的数字化转型之路。
英文摘要：	With the rapid development of China's economy, wealth management in China has risen rapidly. Therefore, China has boasted the largest and most actively traded investors in the world. Against the backdrop of the current digital era, how to grasp the new trend of transformation and upgrading, the new direction, and gain new momentum for development are the main issues facing wealth management institutions. With the rapid development of information technology in society, China has witnessed the increasing technological innovation capabilities of fin-tech such as artificial intelligence, cloud computing and big data, which also brings new impact to the market development of the traditional securities industry. Meanwhile, digital transformation has improved the efficiency of the securities industry, enhanced innovation, facilitated revolution in business models and enriched the tools for financial services. In recent years, as the advancement of digitalization and informatization, promoting the digital transformation of the securities industry and driving changes in the quality, dynamics and efficiency of the industry is a must for the innovation and development of the securities industry. The development of the digital economy, as an important tool for the future economic development of China, is one of the main development reforms highlighted in the 14th Five-Year Plan. With the rapid development of China's social economy, only by continuously promoting digital transformation can we better drive the development and progress of the social economy. It is also an important way of transforming traditional production relations to meet the needs of society, to change the economic status quo and to improve development planning, which help rationalize production relations to the greatest extent. As micro-entities, enterprises need to continuously enhance the rapid development of the digital economy in the process of market economy development, so as to contribute more to the construction of digitalization. There are many irrationalities in the construction of wealth management platforms in the domestic securities industry. In addition, the choice of wealth management tools is relatively homogeneous, especially the lack of innovation in financial products, the unreasonable structure of capital market investors and the immature investment concepts of capital market. Against the backdrop of the rapid development of big data technology and fin-tech innovation, securities trader can provide more natural customer marketing, more accurate customer service and more excellent customer experience through digital transformation. Therefore, digital transformation of wealth management business is an irresistible trend. For securities trader, balanced development is the only way to become bigger and stronger. For small and medium-sized securities trader, it is important to find the right positioning to achieve differentiation and form their own distinctive advantages in order to gain a foothold in the market competition. F Securities is one of the first integrated securities trader in China and one of the first members of the Shanghai Stock Exchange and Shenzhen Stock Exchange. As a medium-sized securities trader with the characteristics of business and regional, wealth management is the core revenue-generating business of the company. The main research objectives of this paper are as following: how to take advantage of the Internet era, how to adopt a digital transformation and strategy that suits you, how to achieve a breakthrough in the competition between industries, while better realizing the transformation and upgrading of the business profitability model, improving the awareness of innovative services on the basis of traditional business operations, and forming a new situation of synergistic development. Based on the basic theory of wealth management, digital theory, the paper, combined with F securities industry status, wealth management business development status, digital transformation practice and problem analysis, puts forward future digital transformation strategies and recommendations, which help take the unique path of digital transformation with company characteristics.
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