近年来，随着社会经济的快速发展，我国经济一直保持着高速的增长态势。利 率市场化进程加快，商业银行彼此之间的竞争日趋白热化，尤其是在国内金融体系 和市场越来越完善的情况下，利率市场化、金融脱媒已逐步显现。优质客户的贷款 业务部分被股权融资市场、债券市场、商业票据市场所替代，存款业务也逐渐被理 财市场、货币基金市场、股票投资和保险投资等日益多元化的投资渠道所侵蚀，给 传统的银行业务带来了巨大的挑战。与此同时，该现象也为银行创造了很多机遇， 推动了商业银行大力发展中间业务和大额业务，积极进行金融产品创新，促进了银 行本身竞争实力的提升。最近十余年，对公财富管理业务所占比重越来越高，创造 的中间业务收入稳定而可观，各家银行均开始重视公司理财业务的拓展及可持续发 展。 本文首先交代了研究的意义、背景、公司理财业务的历史沿革及相关理论，为 后续的研究做好概况和理论依据的铺垫。接着重点分析 Z 银行及杭州分行的理财业 务现状，结合 Z 银行业务销售额、中间业务收入、客户数、客群行业等内部经营数 据，同时指出目前存在的不足之处。再选取了内外部变量进行实证分析，对六个变 量和银行理财产品存续规模的相互关联进行了探讨，分析并证明银行理财产品数、 客户群体、综合经营实力、信贷投放、央行货币政策、企业生产经营状况与公司理 财业务的相关性并形成结论。 本文通过数据分析和实证分析，探讨如何在现有的金融环境下制定具有实践意 义的产品及营销优化方案。针对 Z 银行公司理财业务中存在的问题和不足，立足目 标客户所选择的细分市场与客户，同步客户需求相匹配的价值主张、营销渠道、客 户关系，进一步构建支撑产品和服务体系的关键业务活动和核心资源，通过产品创 新、营销服务体系、客群经营和品牌建设等手段制定发展策略，从而提升 Z 银行的Z 商业银行公司理财业务增长的影响因素分析 市场竞争力。本文的研究结论围绕转型赋能和模式取胜，进行客户模块以及银行产 品和服务模块的专业研究，为商业银行公司理财业务面向新经济提供坚实的能力支 撑。 关键词： 商业银行，公司理财，多元回归模型，发展策略Z 商业银行公司理财业务增长的影响因素分析 AN ANALYSIS ABOUT FACTORS AFFECTING THE GROWTH OF CORPORATIONS' WEALTH MANAGEMENT BUSINESS OF Z COMMERCIAL BANK ABSTRACT In recent years, with the rapid development of the society’s economy, China's economy has maintained a high-speed growth trend. At the same time, the interest rate marketization process has accelerated and the competition of commercial banks has further intensified. Especially in the context of the perfect domestic capital market, interest rate liberalization and financial disintermediation have gradually emerged. For a long time, corporate wealth management business has been one of the profit growth points of commercial banks. With the rapid growth of China's economy, the company's profitability continues to increase, corporate wealth continues to accumulate, idle assets increase, and corporate financial needs continue to increase. In the past ten years, with the increasing proportion of corporate wealth management business, the income generated by the intermediary business has been stable and considerable, and all banks have begun to attach importance to the expansion and sustainable development of this business. This article first explains the significance, background, historical evolution of the company's financial management business, and related theories, and prepares the overview and theoretical basis for subsequent research. Then focus on analyzing the current status of the wealth management business of Bank Z and Hangzhou Branch, combined with internal business data such as sales of Bank Z, sales of intermediate business, number of customers, customer base industry, etc., and point out the current deficiencies. Then select internal and external variables for empirical analysis, explore the correlation between the sixZ 商业银行公司理财业务增长的影响因素分析 variables and the existence scale of bank wealth management products, analyze and prove the number of bank wealth management products, customer groups, comprehensive operating strength, credit investment, central bank monetary policy, enterprises The correlation between the production and operation status and the company's wealth management business forms a conclusion. Through data analysis and empirical analysis, this article explores how to formulate practical product and marketing optimization plans in the current financial environment. Aiming at the problems and deficiencies in Bank Z's wealth management business, based on the market segments and customers selected by the target customers, synchronize the value proposition, marketing channels, and customer relationships that match customer needs, and further build key businesses that support the product and service system Activities and core resources, to develop development strategies through product innovation, marketing service system, customer base management and brand building, etc., so as to enhance the market competitiveness of Z Bank. The research conclusions of this article focus on transformational empowerment and model wins, and carry out professional research on customer modules and banking product and service modules to provide a solid capability support for commercial banking companies' financial management services towards the new economy. KEYWORDS: commercial bank, corporate finance, multiple regression model, development strategyZ 商业银行公司理财业务增长的影响因素分析 目 录 第一章 绪论...............................................................................1 第一节 选题背景与意义...................................................................................1 一、选题背景..................................................................................................1 二、选题意义..................................................................................................2 第二节 文献综述 .............................................................................................3 一、国外文献综述 ..........................................................................................3 二、国内文献综述 ..........................................................................................6 第三节 研究内容与框架...................................................................................9 第四节 研究方法和创新点.............................................................................10 一、研究方法................................................................................................10 二、创新点...................................................................................................11 第二章 我国商业银行公司理财业务及相关理论概述................12 第一节 我国商业银行公司理财业务的介绍......................................................12 一、我国商业银行公司理财业务的发展历史.................................................12 二、我国商业银行公司理财业务的业务现状.................................................13 第二节 我国商业银行公司理财业务经营模式及产品类别 ................................14 一、业务经营模式 ........................................................................................14 二、产品类别................................................................................................15 第三节 银行理财业务相关理论及发展动因......................................................16 一、相关理论分析 ........................................................................................16 二、银行理财业务保持发展的动因 ...............................................................18 第三章 Z 银行公司理财业务的现状分析....................................20 第一节 Z 银行公司理财业务基本情况 .............................................................20 一、Z 银行总行公司理财业务概况................................................................20 二、Z 银行公司理财业务现有产品情况.........................................................23 三、Z 银行公司理财业务规模的数据分析 .....................................................26Z 商业银行公司理财业务增长的影响因素分析 第二节 Z 银行公司理财业务当前存在的问题...................................................34 一、同质化现象严重..............................................................................