I 摘要 财富管理作为一个新兴的行业，形成至今不过10年左右，真正兴起不过5年，还 处于产业周期的初期阶段。初级阶段最大的特点就是发展扩张速度很快，但是管理能 力水平跟不上。近年来，一方面，自身内部的竞争对手越来越多，一批顶级地产公司、 集团化基础基建公司、大型化工寡头等制造业龙头纷纷进入财富管理领域。另一方面， 商业银行、证券公司、信托公司、保险公司也纷纷看到其中孕育的商机，迅速成立商 业银行财富管理子公司、证券公司财富管理子公司等。未来财富管理行业的竞争将愈 演愈烈。财富管理公司的物理营业网点作为直接抢夺客户资源的主阵地日渐受到高层 的重视，而财富管理公司的选址直接影响着营业网点的经营效率与绝对净利润。目前 财富管理行业处于产业周期的初级阶段，公司选址的主要问题是，管理层整体管理水 平不高，主观因素过大。因此，如何高效科学合理地进行营业网点的选址工作成为财 富管理行业这个中国业态新军的重要课题。 本文依据财富管理公司营业网点选址的相关理论，通过收集大量文献，探讨了前 人的研究思路、研究方法以及研究结果。在此基础上分析了财富管理公司营业网点布 局的现状及存在的问题，探究了问题的成因，分析了财富管理公司营业网点选址的具 体因素，构建了财富管理公司营业网点选址的指标体系。该体系包括了金融资源情况、 交通便捷情况、竞业竞争情况、物业情况和区域规划情况等总计5个指标19个子指标。 与此同时，利用作者在DA财富管理公司工作的便利条件，对DA财富管理公司各个 部门领导及一线员工进行问卷调查，确定指标的重要排序，采取层次分析法确定各个 指标对营业网点选择过程中的具体影响程度，并根据结果创建了财富管理公司营业网 点选址模型。为验证结论的有效性以DA财富管理公司为例，进行了验证分析。通过 检验发现得分高的网点比得分低的网点综合经济收益明显提升。一定程度上验证了分 析与实践的匹配性。 最后为DA公司管理层提出如下建议：（1）改变DA财富管理公司的选址流程和决 策机制（2）成立专门选址装修的分包公司（3）整合调整现有营业部（4）建立选址评 价体系。 关键词：财富管理公司；层次分析法；营业网点的选址 西北农林科技大学硕士学位论文ABSTRACT II ABSTRACT As an emerging industry, wealth management has been existed for just 10 years, and it has really been vigorous for only 5 years, thus it is still in the early stage of the industry cycle. The most distinctive feature of the primary stage of the industry is the rapid development and expansion, but the inner ability of management always lags behind. On the one hand, recently there are more and more internal competitors. A group of top real estate companies, group infrastructure companies, large-scale chemical oligarchs and other manufacturing leaders have entered the field of wealth management. On the other hand, commercial banks, securities companies, trust companies and insurance companies have also taken advantage of the business opportunities, quickly setting up wealth management subsidiaries of commercial banks and securities companies. In the future, the competition in wealth management industry will become more and more fierce. As the main position of seizing customer resources directly, the physical business outlets of wealth management companies are paid more and more attention by senior management. The location and relocation of wealth management companies directly affect the operating efficiency and absolute net profit of business outlets. At present, the wealth management industry is in the primary stage of the industrial cycle. The main problem of company location is that the overall management level of the management is low and the subjective factors play important roles in decision making. Therefore, how to select the location of business outlets efficiently, scientifically and reasonably has become an important issue for wealth management industry, which is a new force in China. Based on the theory of location selection of wealth management company's business outlets, this paper discusses the previous research ideas, methods and results by consulting a large number of papers. On this basis, the paper analyzes the current situation and existing problems of the distribution of wealth management company's business outlets, and explores the causes of the according problems. This paper analyzes the specific factors of the location of the business outlets of wealth management companies, and constructs the index system of the location of the business outlets of wealth management companies, which includes the financial resources, the convenient transportation, the competitive situation, the property situation and the regional planning situation, with a total of 5 indexes and 19 sub indexes. At the same time, taking advantage of the convenience of the author's work in a wealth ABSTRACT III management company, the author makes a questionnaire survey on the leaders of various departments and grass-roots employees of a wealth management company, determines the important order of the indicators, the specific impact of each indicator on the selection process of business outlets by using the analytic hierarchy process, and creates a model for the location of business outlets of wealth management company based on the results. Taking a wealth management company as an example, the author carries out the verification analysis. Through the test, it is found that the comprehensive economic benefits of outlets with high scores are significantly higher than those with low scores. To a certain extent, it verifies the relations between analysis and practice. KEY WORDS: wealth management company; analytic hierarchy process; site selection and relocation of business outlets 目 录 I 目 录 摘要 ........................................................................................................................................... I ABSTRACT .............................................................................................................................II 第一章 导论 .......................................................................................................................... 1 1.1 研究背景 ........................................................................................................................ 1 1.2 研究目的和意义 ............................................................................................................ 1 1.2.1 研究目的 ................................................................................................................. 1 1.2.2 研究意义 ................................................................................................................. 1 1.3 文献综述 ........................................................................................................................ 2 1.3.1 国外研究动态 ......................................................................................................... 2 1.3.2 国内研究动态 ......................................................................................................... 3 1.3.3 文献评述 ................................................................................................................. 3 1.4 研究思路和研究方法 .................................................................................................... 4 1.4.1 研究思路 ................................................................................................................. 4 1.4.2 研究方法 ................................................................................................................. 4 1.5 创新之处 ........................................................................................................................ 5 第二章 理论基础 .................................................................................................................. 6 2.1 概念界定 ........................................................................................................................ 6 2.1.1 营业网点选址的界定 ............................................................................................. 6 2.1.2 选址成功的界定 ..................................................................................................... 6 2.2 基础理论 ................................................................................................................