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| 互联网金融背景下中金公司财富管理转型研究
摘要
随着互联网的发展，互联网金融将提前终结券商渠道盈利模式，行业竞争压力明显增强，所有的券商企业都面临着转型危机；其次是不同公司的业务基本不存在差别，想要继续发展必须开始转型。中国经济近些年的迅速发展，社会居民财富不断增长，人们对财富管理的需求变得逐渐多元化、个性化。但是，以中金公司为代表的一批券商提供的金融产品及服务不能很好地适配中国财富管理市场规模的激增，资金存在流向其他财富机构的趋势。在这两方因素的影响之下，作者认为研究互联网金融背景下中金公司的财富转型对于证券公司、证券行业以及金融理论的完善都有重要的意义。
本文以中金公司为研究对象，基于财富管理相关基本理论，在互联网格局下，通过对中金公司财富管理转型的现状进行分析，结合当前国内外财富管理转型的案例，对中金公司提出优化对策，探索适合中金公司财富管理转型的道路。得出在互联网金融背景之下，中金公司要通过改革公司组织架构和投顾团队建设、完善客户端的服务系统、丰富金融产品尤其是互联网金融产品矩阵的广度和深度以及完成技术转型升级的措施，实现财富管理转型。
总结得出在金融科技大发展的时代背景下，券商应启动经营管理体制改革，深入实施建设一流现代大型证券金融集团，以互联网为载体，减少公司成本，提升客户对公司服务和应用体验客户的满意程度，结合现有的产品优势，采取财富管理业务差异化的模式实现公司的财富管理转型升级。
关键词：互联网金融 中金公司 财富管理 转型
Abstract
With the development of the Internet,Internet finance will end the channel profit model of securities companies ahead of time,the industry competition pressure is significantly increased, and all securities companies are facing the crisis of transformation; secondly, there is no difference in the business of different companies, and transformation must be started if they want to continue to develop. With the rapid development of China's economy in recent years,the wealth of social residents is growing, and people's demand for wealth management has gradually become diversified and personalized. However, the financial products and services provided by a group of securitiescompanies represented by CICC can not well adapt to the rapid growth of China'swealth management market, and the funds tend to flow to other wealth institutions. Under the influence of these two factors,the author believes that the study of CICC's wealth transformation under the background of Internet finance is of great significance for securities companies, securities industry and the improvement of financial theory.
This paper takes CICC as the research object,based on the basic theory of wealth management, under the Internet pattern,through the analysis of the current situation of CICC's wealth management transformation, combined with the current cases of wealth management transformation at home and abroad, puts forward the Optimization Countermeasures for CICC, and explores the road suitable for CICC's wealth management transformation. It is concluded that in the context of Internet finance,CICC should reform the company's organizational structure and investment advisory team construction,improve the client service system,enrich the breadth and depth of financial products, especially the Internet financial product matrix, and complete the technical transformation and upgrading measures to realize the transformation of wealth management.
It is concluded that under the background of the great development of financial technology,securities companies should start the reform of operation and management system,deeply implement the construction of a first-class modern large-scale securitiesfinancial group, take the Internet as the carrier, reduce the company's costs,improve the customer satisfaction with the company's service and Application experience, and combine the existing product advantages, adopt the mode of wealth management business differentiation to realize the goal of public security Division of wealth management transformation and upgrading.
Key words：Internet finance；CICC； wealth management；transformation
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