资管新规下甘肃银行理财业务发展对策研究

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作者	王雅茹
姓名汉语拼音	wangyaru
学号	2017000011444
培养单位	兰州财经大学
电话	13919422561
电子邮件	417800219@qq.com
入学年份	2017
学位类别	专业硕士
培养级别	硕士研究生
学科门类	管理学
一级学科名称	工商管理硕士(MBA)
学科代码	1251
授予学位	管理学硕士
第一导师姓名	陈芳平
第一导师姓名汉语拼音	chenfangping
第一导师单位	兰州财经大学
第一导师职称	教授
题名	资管新规下甘肃银行理财业务发展对策研究
英文题名	Research on the countermeasures of Gansu Bank S Financing Business Development under the new regulation of capital management
关键词	资管新规理财业务甘肃银行发展对策
外文关键词	New regulations on capital management ; Bank financing ; Gansu bank ; Development Strategy
摘要	近年来，随着资管业务的飞速发展，其在充分发挥推动国民经济和社会发展积极作用的同时，也仍然存在着大量的监管制度套利，刚性的兑付以及多层业务嵌套等业务结构发展不规范的突出问题。各家大型商业银行为了应对复杂激烈的金融市场竞争，开拓新的业务利润和增长点，资管新规给城市商业银行理财业务的发展与转型带来了挑战与机遇。本文就是在此背景下，以甘肃银行理财业务作为研究分析对象。甘肃银行作为新上市的一家大型城市商业银行，由于其成立的时间相对较短，理财业务尚处于起步阶段，理财业务品种仅“汇福理财”一个系列，业务营销、运营模式、市场拓展尚存诸多不成熟之处。本文从甘肃银行当前在资管新规下面临的现状着手，深入探讨当前市场环境下，重点分析甘肃银行理财业务的发展水平，通过分析资管新规对甘肃银行理财业务发展的影响，因地制宜地提出理财业务的发展方向和改进策略。文章首先提出丰富、创新理财产品的体系；其次建设创新理财体系，通过成立理财子公司及成立数据化平台的形式，加强部门之间的互动，理财与投行业务之间的联动，通过对理财客户进行分类，针对不同的客户提供与自身情况相契合的理财产品及服务；最后完善理财产品的风险体系，加强从业人员培训，改进业务操作，规范业务流程，建立风险预防与隔离机制，同时加强金融人才的培训，健全银行金融机构人才建设，全面提高风险管理能力。以上具体措施对我国城市商业银行理财产品净值化转型具有一定的借鉴意义，能够更好地促进金融业的发展。
英文摘要	In recent years, with the rapid development of asset management business, while it plays an active role in promoting economic development, there are also some problems such as regulatory arbitrage, rigid payment and multi-layer nesting. In order to cope with the complex and intense market competition and to explore new profit growth points, the new regulation on financial management has brought challenges and opportunities to the development and transformation of city commercial banks'wealth management business Take the Gansu Bank wealth management business as the research analysis object. As a newly listed large city commercial bank, Bank of Gansu is still in its infancy due to its relatively short history of establishment. Its financial services are only one series of "Huifu Finance". There are still many immature aspects in its business marketing, operation mode and market excavation. This paper starts with the current situation of Gansu Bank under the new capital management regulations, deeply discusses the current market environment, focuses on the analysis of the current situation and development level of Gansu bank's financial services, and proposes the development direction and strategy of financial services according to local conditions through the impact of the new capital management regulations on the development of Gansu Bank's financial services. Firstly, the paper puts forward the system of rich and innovative financial products. Secondly, an innovative financial management system should be built. The interaction between departments and the linkage between financial management and investment banking should be strengthened through the establishment of financial management subsidiaries and data platforms. Financial management clients should be classified to provide financial products and services corresponding to their own situations. Finally, the risk system of financial products should be improved, practitioners training should be strengthened, business operations should be improved, business processes should be standardized, risk prevention and isolation mechanism should be established, financial personnel training should be strengthened, talent construction in Banks and financial institutions should be improved, and risk management ability should be comprehensively improved. The above specific measures have certain reference significance for the transformation of financial products net value of urban commercial banks in China, and can better promote the development of financial industry.
学位类型	硕士
答辩日期	2020
学位授予地点	甘肃省兰州市
页数	60
研究方向	金融投资
论文总页数	60
插图总数	0
插表总数	0
参考文献总数	0
馆藏号	0004010
保密级别	公开
中图分类号	F203.9/790
文献类型	学位论文
条目标识符	http://ir.lzufe.edu.cn/handle/39EH0E1M/30917
专题	兰州财经大学
作者单位	兰州财经大学-工商管理学院
第一作者单位	工商管理学院
推荐引用方式 GB/T 7714	王雅茹 . 资管新规下甘肃银行理财业务发展对策研究 [D]. 甘肃省兰州市. 兰州财经大学,2020.

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