The Research On Asset Management Modes Of Postal Savings Bank Of China

With the upgrade of economy transformation,the wealth of residents keeps on accumulating.With the advance of financial disinter-mediation and the marketization of interest rates,the asset management business gradually becomes the inevitable choice of banks and non-bank financial institutions in transition.China's large capital management era has arrived.From the data of 2014,the balance of the assets management business amounted to 57.51 trillion yuan,of which the balance of the bank financing products reached 15 trillion yuan,leading asset management business market.Banks and financial will play a more important role in the era of large information management in the future.After 8 years of development,the postal savings bank gradually butterflies into a national,full-featured integrated commercial bank.Now this bank holds the most domestic outlets,most widely distributes and has very low cost of capital,but it also stated very late,has very unbalanced business development and has huge area difference.The postal saving bank takes head office and branch coordination + branch self-balance mode by giving a certain set of independent authority,so that the branch can adjust measures to local conditions to develop their own asset management development strategy.This paper is divided into five chapters.The first chapter is introduction.The second chapter is theory and literature review.This paper deliberates monetary time value,investment portfolio theory,competitive advantage theory and scale economy theory,which is the theoretical basis of the full text.Literature review introduces the domestic and foreign related literature on asset management business and bank financing.As the research on asset management business model is relatively few,so the research of this paper is of practical significance.The third chapter first introduces the history of the development of postal savings bank,and then analyses the current situation and existing problems of the postal savings bank's asset management business development.This is the basis of this paper.The fourth chapter specifically summarizes the other domestic and foreign bank asset management business model.Through comparative analysis,this paper proposes postal savings bank pattern's characteristic,which is the head office and branch coordination + branch self-balance.This paper studies the mode from market orientation,organizational structure,head office and branch coordination,risk control and product design and assets investment.In the fifth chapter,this paper concludes by summarizing the safeguards of the development of postal savings bank asset management business.