第三方资产管理平台发展状况与商业银行的对策  

The Development Status of the Third-Party Asset Management Platform and the Strategies of Commercial Banks

作　　者：贺本岚[1,2] 黄旭[3] 韩斯玥 

机构地区：[1]中国科学院大学博士后流动站 [2]中国工商银行博士后工作站 [3]中国工商银行城市金融研究所

出　　处：《金融论坛》2014年第6期61-67,79,共8页Finance Forum

摘　　要：第三方资产管理平台弥补了商业银行部分客户服务领域的不足,对银行传统销售渠道产生了重要影响,并促进了银行业务的综合化与全能化。尽管第三方资产管理平台发展如火如荼,但仍然存在一些问题,如资产管理服务能力薄弱,业务种类不全面,监督缺失等。商业银行应拓展经营范围,融入网民生活和消费投资习惯;加强产品和服务创新,为客户提供更便捷的服务;依托互联网平台做好渠道创新;加强风险防范,全面识别潜在风险;充分利用数据挖掘技术,释放客户潜在需求,为客户提供个性化资产管理服务。The third-party asset management platform can make up for the lack of some customer service of commercial banks. It has a significant impact on the traditional sale channels of banks and promotes the integration and comprehensiveness of bank business. Despite the fact that the third-party asset management platform develops rapidly, there are still some prob- lems, such as its weak ability of asset management service, limited business types, incomplete supervision, etc. Commercial banks should expand their business scope and research internet user＇s life, investment and consumption habits; enhance the in- novation of products and services to provide customers with more perfect service; innovate channels relying on the internet plat- form; strengthen risk control, fully identify potential risks; make full use of data mining technology to find customer＇s potential demands and provide customers with personalized service of asset management.

关 键 词：第三方资产管理平台 商业银行 资产管理 互联网金融 

分 类 号：F832.2[经济管理—金融学]