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论文编号：	15886
作者编号：	2320234063
上传时间：	2025/12/12 7:02:41
中文题目：	BH银行天津分行高净值客户资产配置管理研究
英文题目：	Research on Asset Allocation Management of High Net Worth Clients of BH Bank Tianjin Branch
指导老师：	齐岳教授
中文关键字：	商业银行；高净值客户；资产配置；投资组合理论
英文关键字：	Commercial banks；High-net-worth clients；Asset allocation；Investment portfolio theory
中文摘要：	当前我国经济运行保持稳健态势，高净值客户资产配置需求变化受到政策 引导与市场变化的双重驱动。2025 年中央金融办等六部门发文推动上调保险资 金权益配置比例，为高净值客户资产配置拓宽空间，而大类资产收益走低等使 高净值客户更需多元配置。在此背景下，从商业银行视角切入，系统探究高净 值客户资产配置的优化策略，对于提升商业银行的核心竞争力具有重要价值。 本文主要以 BH 银行天津分行为主要研究对象，在投资组合理论、风险偏好 理论、生命周期消费理论的基础上，本研究通过问卷调查的方法对商业银行高 净值客户的资产配置行为进行实证分析，在研究的开始阶段，全面了解 BH 银行 天津分行高净值客户资产配置的现状以及所处的内外部环境因素，并且结合调 研数据和问卷反馈的信息，进一步分析出高净值客户资产配置过程中存在的重 大缺陷和不足之处。主要包括资产配置能力不足、产品种类不够丰富、服务水 平缺乏灵活性与多样性。其次，研究针对的是 BH 银行天津分行高净值客户在资 产方面的规划需求，着重以提升资产配置方案、充实服务供给体系与改良服务 流程等工作重点作为框架展开研究，构建起了一套完整的改进计划。最后，本 文用应用改进后的资产配置方案为客户进行资产配置，通过列举的具体事例证 实了这一资产配置的可行性。 对 BH 银行天津分行高净值客户的资产配置进行深入剖析，揭示了当前存在 的问题及潜在机会，为该行提供了精准的服务优化方案，银行通过精准化的资 产配置服务，实现资源的最优配置，为银行的长期发展奠定坚实的客户基础。 通过本研究为 BH 银行以及行业发展提供助力。同行业可以从本文的案例分析中 汲取经验，优化自己的高净值客户服务体系，尤其是在资产配置方案的制定和 执行过程中，结合当地市场特点和客户需求，参考本文提出的方案，提升自身 在高净值客户中的吸引力和服务水平，实现市场份额的增长。
英文摘要：	China's economy continues to maintain a stable growth trajectory, with high-net-worth clients' asset allocation demands being shaped by both policy guidance and market dynamics. In 2025, six government agencies including the Central Financial Affairs Commission issued guidelines to increase equity allocation ratios for insurance funds, creating more flexibility for clients 'asset management. As returns on major asset classes decline, high-net-worth clients increasingly require diversified investment strategies. From commercial banks' perspective, systematically exploring optimization strategies for high-net-worth clients' asset allocation holds significant value for enhancing their core competitiveness in this evolving landscape. This thesis mainly takes the Tianjin Branch of BH Bank as the main research object. Based on the portfolio theory, risk preference theory and life cycle consumption theory, it examines the asset allocation strategies of high-net-worth clients in commercial banks through a questionnaire survey method. Firstly, the thesis comprehensively and systematically analyzed the current situation and internal and external environment of asset allocation of high-net-worth clients in BH Bank Tianjin Branch. Combined with the current situation of high-net-worth clients and the results analyzed from the questionnaire survey, it summarized and refined the problems existing in the asset allocation work of high-net-worth clients in BH Bank Tianjin Branch at the present stage. The main issues include an insufficient variety of products, inadequate asset allocation capabilities, and the need for improvement in service levels. Secondly, in response to the problems existing in the asset allocation of high-net-worth clients, improvement plans for the asset allocation work of high-net-worth clients of BH Bank Tianjin Branch were proposed from aspects such as improving the bank service system, optimizing the construction of the retail team, and optimizing the service process. The improved asset allocation plan was applied to conduct asset allocation for clients. Finally, this thesis explores the implementation countermeasures of the asset allocation plan for high-net-worth clients from multiple dimensions such as banks, employees, and clients, and analyzes the expected effects of the implementation of the asset allocation plan. This thesis provides an in-depth analysis of asset allocation strategies for high-net-worth clients at BH Bank's Tianjin Branch, identifying current challenges and untapped opportunities. The research delivers targeted service optimization solutions that enable the bank to achieve optimal resource allocation through precision-driven asset management, thereby establishing a robust client base for sustainable growth. These findings offer valuable insights for both BH Bank and the broader financial sector. Industry peers can leverage this case study to enhance their high-net-worth client services by tailoring asset allocation plans to local market conditions and client needs. By adopting the proposed framework, institutions can boost their appeal and service quality among premium clients, ultimately driving market share expansion.
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