發(fā)布時間：2018-05-26 17:53

  本文選題：客戶適當(dāng)性管理 + 證券經(jīng)紀(jì)業(yè)務(wù)��； 參考：《西南財經(jīng)大學(xué)》2012年碩士論文

【摘要】：隨著中國證券市場的發(fā)展,金融產(chǎn)品日漸豐富,業(yè)務(wù)創(chuàng)新已成為行業(yè)的主旋律。創(chuàng)業(yè)板、股指期貨、融資融券等新業(yè)務(wù)、新產(chǎn)品的推陳出新標(biāo)志著中國證券市場邁向成熟,但相對于復(fù)雜的證券業(yè)務(wù)和金融產(chǎn)品而言,投資者的投資理財技能和經(jīng)驗明顯不足,投資者風(fēng)險偏好和投資行為出現(xiàn)錯配,不僅放大了投資者自身的投資風(fēng)險,也不利于證券市場的健康發(fā)展。證監(jiān)會于2010年5月1日發(fā)布的《關(guān)于加強(qiáng)證券經(jīng)紀(jì)業(yè)務(wù)管理的規(guī)定》中,明確提出了證券公司應(yīng)“建立健全客戶適當(dāng)性管理制度,為客戶提供適當(dāng)?shù)漠a(chǎn)品和服務(wù)”的要求,隨后,證監(jiān)會又相繼制訂并出臺了《創(chuàng)業(yè)板市場投資者適當(dāng)性管理暫行規(guī)定》和《關(guān)于建立股指期貨投資者適當(dāng)性管理的規(guī)定(試行)》。規(guī)定對適當(dāng)性制度的主要內(nèi)容、基本要求、責(zé)任落實和協(xié)調(diào)機(jī)制等方面進(jìn)行了系統(tǒng)的安排。由于證券經(jīng)紀(jì)業(yè)務(wù)客戶眾多,差異化大,因此客戶適當(dāng)性管理的重點(diǎn)和難點(diǎn)就落在經(jīng)紀(jì)業(yè)務(wù)客戶的適當(dāng)性管理上�？蛻暨m當(dāng)性管理作為近兩年各券商剛剛啟動一項重要工作,由于在國內(nèi)尚缺乏系統(tǒng)性的成功案例和最佳實踐的借鑒,國外的經(jīng)驗與國內(nèi)市場的發(fā)展階段有存在較大差異,因此在實施過程中還是遇到諸多難題,包括客戶信息收集的有效性、客戶分類模型的科學(xué)性、產(chǎn)品體系薄弱且適配性出差、投資者教育難以發(fā)揮作用等等,因此,目前的現(xiàn)狀就是不少券商把這項工作搞成了只重形式,不重效果,應(yīng)付任務(wù)和檢查的“雞肋”。然而,筆者的觀點(diǎn)是：推動客戶適當(dāng)性管理,其實是證券行業(yè)一次難得的轉(zhuǎn)型機(jī)會,真正建立以客戶為導(dǎo)向服務(wù)模式,抓住金融服務(wù)業(yè)的本質(zhì),通過打造適合客戶的差異化服務(wù),逐步建立企業(yè)自身的核心競爭力。本論文研究的價值和初衷正在于啟發(fā)大家的思考,如何真正使客戶適當(dāng)性管理落到實處,發(fā)揮作用。首先,論文通過對客戶適當(dāng)性管理相關(guān)理論的探究,以及國內(nèi)外同行對于客戶適當(dāng)性管理的規(guī)定和要求的比較,一方面看到開展客戶適當(dāng)性管理的必然性和必要性,另一方面也看到與發(fā)達(dá)金融市場在這方面的差距；然后,通過對目前業(yè)內(nèi)現(xiàn)狀分析,希望在幾項重點(diǎn)工作上形成共識：1、客戶分類研究,建立客戶識別系統(tǒng)；2、產(chǎn)品體系建設(shè)以及產(chǎn)品服務(wù)匹配策略的制定；3、IT平臺建設(shè),使適當(dāng)性管理嵌入到各個業(yè)務(wù)環(huán)節(jié)和整個服務(wù)系統(tǒng)之中；再者,本文通過一個預(yù)先設(shè)計的“e點(diǎn)通”客戶適當(dāng)性服務(wù)管理系統(tǒng),以案例分析的方式,從客戶服務(wù)的全流程出發(fā),將客戶適當(dāng)性管理的理念和要求與各個業(yè)務(wù)環(huán)節(jié)緊密結(jié)合起來,從而提供了一個在實際工作中可以借鑒的全面解決方案；最后,論文提出了在開展客戶適當(dāng)性管理的現(xiàn)實工作中存在的一些困惑和難題,有待大家共同實踐和思考。
[Abstract]:With the development of China's securities market, financial products are increasingly rich, business innovation has become the main theme of the industry. The emergence of new businesses such as gem, stock index futures, margin and so on, and the emergence of new products mark the maturity of China's securities market, but compared with the complex securities business and financial products, investors' investment and financial management skills and experience are obviously inadequate. The mismatch between investor's risk preference and investment behavior not only magnifies the investor's own investment risk, but also is not conducive to the healthy development of the securities market. In the Regulation on strengthening the Management of Securities Brokerage, issued by the Securities Regulatory Commission on May 1, 2010, the Securities Regulatory Commission clearly stated that securities companies should "establish and improve customer suitability management system to provide appropriate products and services to customers". Subsequently, the CSRC has formulated and issued the interim regulations on the appropriateness of investors in the gem market and the regulations on the Establishment of appropriate Management for investors in Stock Index Futures Market. The main contents, basic requirements, responsibility implementation and coordination mechanism of the appropriateness system are systematically arranged. Because of the large number of clients in securities brokerage business, the focus and difficulty of customer suitability management lies in the appropriate management of brokerage business customers. Due to the lack of systematic successful cases and best practices in China, the experience of foreign countries is quite different from the stage of development of the domestic market because of the fact that the management of customer appropriateness has just started an important work in the past two years, because of the lack of systematic successful cases and best practices in the domestic market. Therefore, in the process of implementation, there are still many difficulties, including the validity of customer information collection, the scientific nature of customer classification model, the weak and adaptable travel of products, the difficulty of investor education, and so on. The current situation is that many securities companies to this work into only the form, not the effect, to cope with the task and inspection of "chicken rib." However, the author holds that promoting customer suitability management is actually a rare opportunity for the securities industry to make a transition, to truly establish a customer-oriented service model and to grasp the essence of the financial services industry. Through the creation of differentiated services suitable for customers, gradually establish the core competitiveness of the enterprise itself. The value and original intention of this paper is to enlighten people to think, how to make customer proper management come true and play a role. First of all, through the research on the theory of customer suitability management, and the comparison of domestic and foreign counterparts on customer suitability management, on the one hand, we can see the inevitability and necessity of customer appropriateness management. On the other hand, we also see the gap between the developed financial markets and the developed financial markets in this respect. Then, through an analysis of the current situation in the industry, we hope to form a consensus on several key tasks, that is, the study of customer classification. The establishment of customer identification system, the construction of product system and the formulation of product service matching strategy make the suitability management embedded in all business links and the whole service system. In this paper, through a pre-designed "e-point" customer suitability service management system, the concept and requirements of customer suitability management are closely combined with each business link in the way of case analysis, starting from the whole process of customer service. So it provides a comprehensive solution that can be used for reference in practical work. Finally, the paper puts forward some puzzles and difficulties in carrying out the practical work of customer suitability management, which need to be practiced and considered together.
【學(xué)位授予單位】：西南財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.39

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