【作者】 李浩；

【导师】 吴俊；

【作者基本信息】 重庆大学 ， 金融（专业学位）， 2020， 硕士

【摘要】 改革开放四十多年以来,我国资本市场的发展非常迅速,其中股票市场也伴随着经济的发展变得越来越活跃,在资本市场中占据着举足轻重的地位。长期以来,靠传统的通道业务来收取佣金一直是国内券商的重要收入来源之一,但是伴随着国内经济形势的变化,金融行业的竞争变得更加激烈,同质化严重的通道业务面临的竞争更是惨烈,证券行业的发展正在受到前所未有的挑战。与此同时,伴随着中国经济的高速发展,国内高净值人群的数量也在不断增加,他们需要更加专业的团队来提供包括大类资产配置、保险、信托甚至家族传承这样个性化的财富管理服务。因此,在这样的环境因素下,券商如何发展和完善财富管理业务就显得十分重要和急迫。本文将首先分析我国国内金融行业财富管理市场的业务格局,通过对券商财富管理市场环境和财富管理业务的发展现状进行分析,探讨国内券商目前普遍存在的问题。同时对比国外发达国家财富管理市场的优点,以美银美林为例分析了海外发达财富管理机构的特点以及国内券商能够借鉴的优势,为后期提出广发证券财富管理业务的优化意见做出参考。此外,在前文的基础上对广发证券财富管理业务的现状和广发证券发展财富管理业务的必要性进行了分析,通过与中信证券的财富管理产品、经营情况、组织结构和客户服务体系四个方面进行对比。分析了目前广发证券财富管理业务的不足,并针对相应的问题提出了对应的解决方案。最后对全文进行总结,概括本文通过分析得出的结论以及提出的对应的解决方案。在分析广发证券财富管理业务现状的过程中我们可以发现,广发证券通过更改公司组织结构、转变业务发展模式以及重塑人才培养机制,逐渐从以交易手续费为主的传统券商经营模式转向发展财富管理业务。但是通过分析得出目前广发证券目前仍然存在着缺少保险以及另类投资金融产品、财富管理业务收入占比过低、现有组织机构对财富管理业务支撑力度不够、客户分层管理不够细致以及高净值客户的服务有所欠缺的不足,本文在此基础上为广发证券财富管理业务存在的不足提出了相关的解决方案,一定程度上能够为国内券商的财富管理业务的发展提供一定的参考借鉴。更多还原

【Abstract】 Since the reform and opening for more than 40 years,China’s capital market has developed very rapidly.The stock market has become more and more active along with the economic development,and has occupied a pivotal position in the capital market.For a long time,collecting commissions through the traditional channel business has been one of the important sources of income for domestic securities firms,but with the changes in the domestic economic situation,competition in the financial industry has become more intense,and competition faced by serious homogeneous channel business more unprecedented than ever,the development of the securities industry is facing unprecedented challenges.At the same time,with the rapid development of the Chinese economy,the number of high-net-worth individuals in the country is also increasing.Their requirements for financial services are no longer as simple as buying and selling wealth management products.They need a more professional team to provide Including personalized services such as asset allocation,insurance,trusts and even family heritage.Therefore,under such environmental factors,it is very important and urgent for securities firms to transform their wealth management.This article will first analyze the business structure of my country’s domestic financial industry’s wealth management market,through the analysis of the brokerage’s wealth management market environment and the development status of wealth management business,to explore the current common problems of domestic brokerages.At the same time,comparing the advantages of the wealth management market in foreign developed countries,the Bank of America Merrill Lynch was used as an example to analyze the characteristics of overseas wealth management institutions and the advantages that domestic securities firms can learn from,so as to provide a reference for optimizing the wealth management business of GF Securities.In addition,based on the foregoing,the current situation of GF Securities’ wealth management business and the necessity of GF Securities’ wealth management business were analyzed.Through the four aspects of CITIC Securities’ wealth management products,operating conditions,organizational structure and customer service system comparing.Analyzed the current shortcomings of GF Securities’ wealth management business,and put forward corresponding solutions to the corresponding problems.Finally,the full text is summarized,summarizing the conclusions drawn by the analysis and the corresponding solutions proposed in this article.In the process of analyzing the status of GF Securities’ wealth management business,we can find that GF Securities gradually changed from the traditional brokerage business model based on transaction fees to the development of wealth by changing the company’s organizational structure,transforming the business development model and reshaping the talent training mechanism.Manage business.However,through analysis,it is found that GF Securities currently still lacks insurance and alternative investment financial products,the income of the wealth management business is too low,the existing organizations do not support the wealth management business sufficiently,the customer tiered management is not detailed enough,and the high net worth The customer’s service is lacking.On this basis,this article puts forward relevant solutions for the shortcomings of GF Securities’ wealth management business,which can provide a certain reference for the development of the wealth management business of domestic securities firms to a certain extent.更多还原