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论文编号：	15227
作者编号：	2320200574
上传时间：	2024/12/13 9:01:09
中文题目：	GJ证券财富管理业务转型发展问题研究
英文题目：	Research on the Transformation and Development of GJ Securities'''' Wealth Management Business
指导老师：	覃家琦
中文关键字：	财富管理；资产配置；投资顾问
英文关键字：	wealth management；asset allocation；investment advisory
中文摘要：	财富管理业务近年来作为证券公司当下最重要的业务之一，在整个证券行业的营业收入的占比逐年增加，我国证券行业的竞争格局一直处于不断变化的态势，收入结构也在不断调整，一方面由于近年来互联网金融迅速发展，证券行业对于新增客户的竞争不断加大，为了获取并留住客户，证券公司不得不采取降低交易佣金率的手段来进行同业竞争，这导致传统代买卖业务所贡献的利润率不断降低，加上我国自2017年实施金融供给侧改革、扩大金融开放等因素，我国金融机构财富管理业务快速发展,商业银行、保险公司、信托公司、基金公司以及其他第三方财富管理机构之间呈现出激烈的竞争态势。证券公司不得不发展创新业务以及加快传统经纪业务转型弥补在客户资源及产品销售等等层面起步较晚的问题；在这双重压力下，通过创设新业务和原有业务的转型发展寻求新的收入增长点已成为大多数证券公司的核心诉求，其中探索并发展财富管理业务成为行业转型的热点目标。 而同样经历过此类问题的美国金融机构已经成功实现了财富管理业务的转型与升级,为我国证券公司走上这条道路提供了值得借鉴的的范本。鉴于上述背景，本论文选择GJ证券公司的财富管理业务为研究对象，结合公司当前实际经营情况，梳理国内证券公司财富管理业务现状,分析美国经纪商财富管理的发展阶段、模式特征与重要经验,剖析国内证券公司财富管理业务转型存在的机遇与面临的挑战,探讨国内证券公司财富管理业务转型的路径。
英文摘要：	Wealth management business, as one of the most important businesses of securities companies in recent years, accounts for an increasing proportion of operating revenue in the entire securities industry year by year. The competition pattern of China's securities industry has been in a constantly changing trend, and the income structure has also been constantly adjusted. On the one hand, due to the rapid development of Internet finance in recent years, the competition of the securities industry for new customers has been increasing. In order to obtain and retain customers, securities companies have to take the means of reducing the trading commission rate to compete with each other in the same industry, which has led to the continuous reduction of the profit margin contributed by the traditional proxy trading business. In addition, China has implemented the financial supply side reform since 2017, expanded financial opening up, and other factors, the wealth management business of China's financial institutions has developed rapidly, commercial banks, insurance companies, and trusts Company There is fierce competition among fund companies and other third-party wealth management institutions. Securities companies have to develop innovative businesses and accelerate the transformation of traditional brokerage businesses to make up for the late start in customer resources and product sales; Under these dual pressure , seeking new revenue growth points through the creation of new businesses and the transformation and development of existing businesses has become the core demand of most securities companies, among which exploring and developing wealth management businesses has become a hot target for industry transformation. And American financial institutions that have also experienced such problems have successfully transformed and upgraded their wealth management business, providing a valuable model for Chinese securities companies to embark on this path. Given the above background, this paper selects the wealth management business of GJ Securities Company as the research object, combines the current actual operating situation of the company, sorts out the current situation of wealth management business of domestic securities companies, analyzes the development stages, mode characteristics and important experiences of wealth management of American brokers, dissects the opportunities and challenges faced by the transformation of wealth management business of domestic securities companies, and explores the path of wealth management business transformation of domestic securities companies.
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