联系我们

论文查询结果	返回搜索

论文编号：	8615
作者编号：	2220120561
上传时间：	2016/11/29 10:57:12
中文题目：	DT财富公司第三方理财策略研究
英文题目：	Research on the development strategy of third-party trust financial of Tang Wealth Company
指导老师：	韩德昌
中文关键字：	第三方理财 DT 财富公司 私人银行业务 发展策略
英文关键字：	the third-party trust financial; Tang Wealth Company; private banking service; development strategy
中文摘要：	随着 2012 年以来相关宽松政策的施行,我国进入了“大资管时代”,市场中 为私人提供财富管理服务的机构如雨后春笋般越来越多,这个市场的出现为我 国居民的私人财富管理提供了新的途径。但是我国财富管理机构作为新兴行业, 受到我国“分业监管”政策的限制,其传统模式提供的理财产品已经不适用我国现 有经济的发展,存在多种局限性,如这些机构大都有着较高投资门槛,一般私 人财富无法享有这种服务,针对不同群体的理财服务没有实质区别,整体服务 的个性化不足。对于我国居民而言,大多数人都没有理财知识背景,更没有一 些公开的渠道让居民获得通畅的金融信息,因此,大多数人无法根据自己的实 际情况设计出满足自身需求同时又有较多效益的理财计划,大都处于一种不进 行财富管理或者财富管理不合理的状态。 因此,在此背景下,为客户提供专业化与个性化理财规划的第三方理财机 构开始在我国发展开来。但是就目前来看,第三方理财机构在我国尚处于初发 展阶段,并受到诸多不利因素的影响,因此本文关于以 DT 财富公司为代表的我 国第三方理财机构的发展策略研究显得十分必要。 本文从私人银行业务与金融创新理论出发,在阐述国内外第三方理财发展 现状的基础上,结合 DT 财富公司的内外部环境分析与 SWOT 分析,归纳出 DT 财富公司本身在发展中存在的问题以及我国第三方理财市场需要完善的地方, 从而提出促进 DT 财富公司能继续保持行业领先位置的相关对策与建议。 首先,本文就国内外有关第三方理财的研究进行了理论综述,并对第三方 理财机构的有关概念进行了阐释,具体包括第三方理财机构的界定、构成要素、 特征及优势,同时介绍了私人银行业务与金融创新。 其次,对国外与国内第三方理财机构的发展现状展开论述,其中就国外第 三方理财机构的发展而言,主要阐述了美国与英国第三方理财产生的背景、发 展阶段、赢利模式与监管机制等。接着又从第三方理财市场与第三方理财机构 这两方面入手,具体介绍了我国第三方理财的发展现状。 再次,对 DT 财富公司的基本情况进行了介绍,然后使用 PEST 分析法从政 治(Politics)、经济(Economic)、社会(Society)和技术(Technology)四个 角度对其面临的外部环境进行分析,并分析了 DT 财富公司当前的内部环境,接 I 摘要 着使用 SWOT 分析法从势、劣势、机遇和挑战四个维度对 DT 财富公司的发展 进行全面剖析,归纳整理出 DT 财富公司目前所面临的问题,从而为下文发展对 策的提出奠定基础。 最后,根据前文的分析情况,明确问题所在,结合当前国外第三方理财发 展的先进理念和我国的实际国情,提出适合 DT 财富公司发展的具体策略。同时, 对全文的主要研究内容进行概括总结,以及指出本研究的不足之处与未来研究 展望。
英文摘要：	Since 2012 with the relevant loss policy implement, China has entered the era of big wealth management, there are more and more wealth management institutions to service the private wealth market and provide a new way for Chinese to manage private wealth. But China's wealth management institutions as an emerging industry are restrained by China's "sub regulation" policy, and the traditional mode of financial products has not applied for the development of China's current economy, there are many limitations, such as most of these institutions have a higher investment threshold, so the lower and common private wealth cannot enjoy this service, and lack of personalized service. For most people do not have financial background and do not have open channels to obtain financial information, so most people can not according to their actual situation to design the plans that can meet their own needs as well as get more benefits, and then there are much people don’t implement wealth management ore can not implement well wealth management. Although the Third-party Financial institutions are developing, there are many threats they are facing. Therefore, we study the Third-party Financial institution such as Tang Wealth Company is very necessary. The article starts from the literature of foreign private banking business, combining with the financial innovation theory, and discuss the the development of the third-party trust financial institution, and then use PEST analytic method and SWOT analytic method to analyze the Tang is facing at present. Thus we can find the problems exist in the Tang and the limit of Third-party Financial, and formulate some strategy to help the Tang Wealth Company develops better. First, we summarize the domestic and foreign theory related third party financial and introduce the concept of the third-party trust financial institution, including the definition, elements, characteristics and advantages, and discuss private banking business and financial innovation. Second, we discuss the current situation of the third-party trust financial institution. As for the foreign third-party financial institution, mainly analyze the III Abstract background, development stage, profit model and supervision mechanism based on the U.S and the U.K. And then form the third-party trust financial market and the third-party trust financial institution to discuss the the develop of the China’s third-party trust financial. Third, we introduce the Tang Wealth Company, and use PEST analytic method to analyze the extra environment Tang Wealth Company is facing at present, and use SWOT analytic method to study the competitive advantages, competitive disadvantages, potential opportunities and the external menaces of Tang Wealth Company. Finally, according to the analysis above, we can find the problems, then combing with the advanced concept of other countries’ third-party trust financial and the reality of China, we formulate some development strategy. At the same time, the main research contents of this paper are summarized, and the deficiencies and future research prospects of this research are pointed out.
查看全文：	预览  下载(下载需要进行登录)