摘 要
中信证券财富管理业务研究
——以 T 营业部为例
基于证券欧亿·体育（中国）有限公司整体佣金水平下滑、竞争日益激烈的客观环境，从可持续发
展的角度，依托“私人财富管理”这一载体，以中信证券财富客户服务体系为研究
的对象，借鉴国内外券商先进的私人财富管理理念，对中信证券财富管理服务
体系存在的问题进行深入细致的挖掘，提出适合中信证券私人财富管理业务未
来发展的对策建议，指明证券公司私人财富管理业务今后的发展方向，对中信
证券私人客户服务体系的建设有一定的理论指导和实际借鉴意义。

本文采用实际分析的研究方法，以中信证券历史数据为基础，针对不同理
财服务需求的投资者不断完善分层次的私人客户服务体系，提出了目前财富管
理服务体系存在的问题，并提出了切实可行的意见与建议，真正实现“把合适的
产品，在合适的时间，以合适的方式，推荐给合适的客户”的财富管理服务理念。

中信证券客户财富管理服务体系的不断完善，将有效提高私人客户财富管理服
务质量，从而提升公司存量客户佣金水平，降低客户的管理成本、增厚利润，
对客户提供国际一流水平的专业化私人财富管理服务。

关键词：
中信证券，私人财富管理，服务体系
Abstract
Research on Wealth Management in Citic Securities
-- Based on T Department
This paper mines CITIC Securities wealth management service system problems
thorough and meticulous, puts forward suggestions for the future development of the
private wealth management business of CITIC Securities, points out the future
direction of development of the private wealth management business, and has
significance of theoretical guidance and practical reference for CITIC Securities
private client service system, based on the decline in the whole commission level of
the securities industry and the increasingly fierce competition in the objective
environment, from the perspective of sustainable development, relying on the carrier
of Private Wealth Management, for studying the wealth management system of
CITIC Securities, drawing on advanced domestic and foreign securities firms private
wealth management philosophy,
This paper uses the research methods of actual analysis, is based on CITIC
Securities historical data, constantly improves a hierarchical system of private client
services, points out the problems in present wealth management service system,
proposes a practical comments and suggestions, and realize the concept of providing
the right product, at the right time, in the right way, for the right customer. The
continuous improvement of CITIC Securities client financial management system
will improve the service quality of private client wealth management, enhance the
company's commission, reduce the cost of customer management, increase profit, and
provide world-class professional Private Wealth Management service for customers.
Keywords :
Citic Securities ; Private wealth management ; Service system