【作者】 郭晨；

【导师】 李伟； 张凡；

【作者基本信息】 大连海事大学 ， 工商管理（专业学位）， 2018， 硕士

【摘要】 2007年以来,我国各银行家庭理财业务和理财产品的发行数量和规模一路呈现出爆发性的增长,见证了我国资本市场和理财市场的全面繁荣。C银行大连分行家庭理财业务也一直保持着良性发展。但自2015年以来,各项指标增速明显放缓,给银行的家庭理财业务提出了艰巨的挑战。基于大客户投资在家庭理财业务上的资产每年额的快速增长现状,C银行的家庭理财业务应从研究客户的家庭金融视角出发,建立以客户为中心的服务理念,以科学的银行理财业务优化对策为落脚点,立足于通过理财业务优化提成银行竞争力,最终使家庭理财业务实现规模、质量、效益三方面的动态协调和优化平衡。本研究首先描述了C银行家庭理财业务的概况、特点、现状以及未来的发展趋势。其次进行实证研究,从家庭理财客户视角出发,结合家庭生命周期理论和投资组合理论,运用马科维兹均值方差模型和调查问卷,对不同类型客户的家庭理财和家庭风险承受能力进行最优组合分析。最后根据实证研究结论一一对应的提出了 C银行大连分行城镇居民家庭理财业务的优化对策。研究表明C银行应建立以客户为中心的服务理念,针对处于不同生命周期的家庭客户,采用不同形式的且有针对性的家庭理财业务手段,并对现有的家庭理财业务进行科学的全面的优化。本研究不仅有助于C银行大连支行的长期发展,同时也为其他类似商业银行的发展指明了方向,具有一定参考价值。更多还原

【Abstract】 Since 2007,the number and scale of the financial and financial products issued by various banks in our country have shown an explosive growth,which has witnessed the overall prosperity of the capital market and financial market in China.C bank Dalian branch’s family financial management business has also maintained healthy development.However,since 2015,the growth rate of indicators has slowed down significantly,which poses a formidable challenge to the family financial management business of banks.Based on the rapid growth of the annual amount of the assets of the large customer investment in the family financial business,the C bank’s family financing business should set up the customer centered service concept from the perspective of the customer’s family finance,and take the scientific banking financial business optimization countermeasures as the foothold,based on the optimization of financial services.The competitiveness of banks will ultimately enable the family financial services to achieve dynamic coordination and optimization balance in three aspects:scale,quality and efficiency.This study first describes the general situation,characteristics,current situation and future development trend of C bank family financial services.Secondly,from the perspective of family financial customers,combining the family life cycle theory and the portfolio theory,the Marco Weitz mean variance model and the questionnaire are used to analyze the optimal combination of family financing and family risk tolerance of different types of customers.Finally,according to the conclusions of the empirical study,the corresponding countermeasures are put forward to optimize the family financial management business of C bank Dalian branch.The research shows that C bank should establish a customer centered service concept,adopt different and targeted family financial services for family customers in different life cycles,and make a scientific and comprehensive optimization of the existing family financial services.This study not only contributes to the long-term development of the Dalian branch of the Bank of C,but also points out the direction for the development of other similar commercial banks,and has a certain reference value.更多还原