资管新规背景下平安银行包头分行理财业务调查分析

资管新规背景下平安银行包头分行理财业务调查分析摘要近年来，随着我国国民经济的快速发展以及国民生产总值的稳步提升，居民对于存款产品的多样化需求也在增加，各大银行纷纷推出各类理财产品，以满足居民的个性化需求。在国内银行理财业务发展前景较为光明的背景下，我国出台了关于理财产品的资管新规，资管新规的发布，旨在改善国内金融业资产管理现状，降低金融产品风险，让金融行业能更健康、有序的发展。但是随着新规的发布，之前的理财产品由于不符合规定需要重新设计和管理，理财产品不再承诺保本，理财收益率不再稳定，同时，创新型理财产品不足以涵盖理财客户的需求，导致商业银行的理财业务发展受到一定影响，在此背景下，本文主要选取了平安银行包头分行，对其理财业务的现状进行调查了解，发现其中存在的问题，并针对问题提出具体建议。本篇文章主要选取了平安银行包头分行的个人理财产品进行了研究。首先对理财产品的基本理论以及国内外关于理财产品的相关文献进行了阐述和梳理，在此理论基础上，采用数据分析和现场访谈的方式对平安银行包头分行个人理财业务现状进行了研究，发现平安银行包头分行的理财产品在产品方面、创新方面、服务方面、风险管理方面存在一定的问题，针对发现的问题，提出了优化建议，具体包括创新性理财产品，提升专业理财人员素质和能力，加强风险管理等，为平安银行理财产品未来发展提供了更多渠道，从而为我国商业银行理财业务的发展提供一定的借鉴。关键词：资管新规：发展策略：个人理财AbstractIn recent years,with the rapid development of China's national economy and the steadyrise of the gross national product,the demand of residents for financial management is alsoincreasing.However,since the release of the new rules,aimed at improving the status ofdomestic asset management industry,asset management industry can be more healthy andorderly development.So that the original capital-preserving financial products are no longerguaranteed,no longer rigidly cashed,and the financial yield is no longer stable.In addition,innovative financial products are not followed up,so that the financial management businessof commercial banks did not show a continuous upward trend.This paper analyzes the wealthmanagement business of Ping An Bank in Baotou under the background of the new capitalmanagement rules,and puts forward the concrete development strategy.The research object of this article is the wealth management business of Ping An Bank inBaotou branch.First,the relevant literature at home and abroad is studied,and then,on thebasis of analyzing the current situation of personal wealth management business of Ping AnBank in Baotou branch,using the method of data survey,this paper analyzes the personalwealth management business data of Ping An Bank in Baotou branch over the past three years.Pointing out the existing problems of Ping an bank Baotou branch in product factors,innovation factors,service factors,risk management factors,etc.,on the basis of the analysis,this paper puts forward corresponding optimization strategies,which include building newcrown disease-specific financial products,providing expected benefits to customers,andtraining senior service personnel of banks,strengthening the R D capability of wealthmanagement products,and building the organizational framework of risk management,combined with the actual situation of China's commercial bank wealth management business,this paper provides some suggestions for the further development of Ping An Bank BaotouBank in China.Keywords:New Regulations on Asset Management;Bank Financial Management;PersonalFinancial Management目录摘要Abstract.…绪论…1相关理论及概况1.1理财业务的概念.31.2我国银行理财业务的发展历程.31.3银行个人理财业务的特点42平安银行包头分行理财业务的现状分析2.1调查方法设计与分析…2.2调查结果..52.2.1平安银行包头分行经营现状...52.2.2平安银行理财产品现状52.2.32019-2021年理财业务数据现状.63平安银行包头分行理财业务发展存在的问题.83.1理财产品收益率无法保证..83.2理财人员专业能力需要提升.83.3理财产品竞争力不足93.4理财产品风险控制能力较弱103.