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论文编号：	13827
作者编号：	2320200563
上传时间：	2023/5/31 21:22:21
中文题目：	G证券公司财富管理业务模式研究
英文题目：	Research on Wealth Management Business Model of G Securities Company
指导老师：	张国萍
中文关键字：	G证券公司；财富管理；业务模式
英文关键字：	G Securities Company;Wealth Management Business;Business model
中文摘要：	从我国建立证券市场以来，传统经纪业务的佣金收入,也即代理买卖收入是证券公司的重要收入来源，现阶段国内经济环境及证券行业竞争加剧，佣金率不断创下新低严重影响了证券公司经纪业务收入；与此同时，中国财富市场的规模却持续扩大，居民财富迅速增长,(超)高净值人群规模扩大。居民财富管理需求迅速增长，证券公司也需要从传统经纪业务中转变，借鉴国外投资银行发展路径国内商业银行零售业务转型经验，证券公司开始了向财富管理业务转型之路。然而转型进入僵局，2021年开始基金表现呈现严重两极分化，产品同质化严重，没有市场东风的借力，产品客户的拓展和留存也产生了困难。 G证券公司作为早期开始财富管理转型的头部证券公司，同样遇到了转型瓶颈期，在这样的环境下如何选择合适的业务模式以保持财富管理的生命力，是G证券公司在现阶段亟需解决的问题。本文期望通过对该问题的研究分析，能够对解决G证券公司财富管理业务发展过程中遇到的问题起到理论和数据上的支持。论文主要包括以下内容： 第一，通过对文献的收集整理，对比国内外财富管理业务的发展历程及特点，以及证券公司所处行业地位，阐述证券公司在财富管理业务发展中竞争潜力。 第二，通过对国内证券公司发展财富管理业务的外部环境及现状进行分析，探讨业务现阶段存在的问题及成因。 第三，通过对G证券公司进行SWOT分析，分析其在财富管理业务发展上的优劣势，并对G证券公司财富管理业务模式进行分析，分析现阶段G证券公司财富管理业务发展情况。 第四,通过总结国内外优秀金融机构财富管理业务模式，选择适合G证券公司现阶段发展的业务模式，为G证券公司财富管理业务模式提供优化方案。 综上所述，本论文拟在对G证券公司财富管理业务现状深入剖析后，总结其业务发展困境及成因，分析其现有财富管理业务模式。通过总结国内外常见优秀的财富管理业务模式，选择适合G证券公司发展的方向，对比与之差异后并提出具有可操作性的优化建议及保障措施。希望通过本文给证券行业财富管理业务的可持续发展提供一定的指导意义，并对同类企业提供参考借鉴。
英文摘要：	Since the establishment of the securities market in China, the commission income of the traditional brokerage business, that is, the agency sales income is an important source of income for securities companies. However, the securities industry is undergoing drastic changes. At this stage, the domestic economic environment and the securities industry competition are intensified, and the commission rate continues to hit a new low, which seriously affects the brokerage business income of securities companies. At the same time, the scale of China 's wealth market has continued to expand, the wealth of residents has grown rapidly, and the scale of ( ultra ) high net worth people has expanded. With the rapid growth of residents ' wealth management demand, securities companies also need to change from traditional brokerage business. Head companies have taken the lead in the transformation of wealth management business by drawing on the experience of retail business transformation of domestic commercial banks in the development path of foreign investment banks. However, the transformation has entered a stalemate. After a year of explosive growth in the performance of the two fund products from 2019 to 2020, the performance of the two funds has been seriously polarized since 2021, and the product homogenization is serious. Without the help of the market, the expansion and retention of product customers have also created difficulties. As the head securities company that began the transformation of wealth management in the early stage, G securities company also encountered the bottleneck period of transformation. How to choose the appropriate business model in such an environment to maintain the vitality of wealth management is an urgent problem for G securities company at this stage. This paper hopes to provide theoretical and data support for solving the problems encountered in the development of wealth management business of G securities company through the research and analysis of this problem. The paper mainly includes the following contents : Firstly, by collecting and sorting out the literature, comparing the development process and characteristics of wealth management business at home and abroad, as well as the industry status of securities companies, this paper expounds competitive potential of securities companies in the development of wealth management business. Secondly, through the analysis of the external environment and current situation of the development of wealth management business in domestic securities companies, the problems and causes of the current business are discussed. Thirdly, through SWOT analysis of G securities company, this paper analyzes its advantages and disadvantages in the development of wealth management business, and analyzes the wealth management business model of G securities company, and analyzes the development of wealth management business of G securities company at this stage. Fourthly, by summarizing the wealth management business model of excellent financial institutions at home and abroad, select the business model suitable for the current development of G Securities Company, and provide an optimization plan for the wealth management business model of G Securities Company. In summary, this paper intends to summarize the difficulties and causes of its business development and analyze its existing wealth management business model after in-depth analysis of the current situation of G securities company 's wealth management business. By summarizing the common and excellent wealth management business models at home and abroad, we choose the direction suitable for the development of G Securities Company, compare the differences, and put forward operable optimization suggestions and safeguard measures. It is hoped that this paper will provide some guiding significance for the sustainable development of wealth management business in the securities industry, and provide reference for similar enterprises.
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