后金融危机时代中资商业银行私人银行业务发展研究

发布时间：2018-01-07 20:17

本文关键词：后金融危机时代中资商业银行私人银行业务发展研究　出处：《西南财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：私人银行业务是指以财富管理为核心,面向社会富裕人士所提供的顶级专业化的一揽子金融服务。私人银行位于商业银行业务金字塔的塔尖,它以投资管理业务为基础,以高层次人才为支撑,以研究分析为手段,以专业化经营为特色,已成为当今国际知名商业银行的战略核心业务。英国《银行家》杂志曾评价认为：私人银行业务与投资银行业务是金融业皇冠上两颗最耀眼的明珠,是世界银行业竞争的最高峰。据统计数据,全球私人银行业2004年共管理着约4.5万亿美元的资产,分布在日内瓦、苏黎世、伦敦、纽约、迈阿密、新加坡和香港等金融中心。西方私人银行国际化的同时也带动了亚洲本土的私人银行发展,2005年9月27日,美国国际集团(AIG)旗下专门从事私人银行业务的瑞士友邦银行上海代表处正式开业,这标志着国际私人银行正式进入中国市场。2007年3月,中国银行与战略伙伴苏格兰皇家银行正式宣布合作开展私人银行业务,从此揭开了中资商业银行进军个人高端金融服务市场的帷幕。 2008年的全球金融危机过后,全球各国金融形势急转之下,全球私人银行业务均遭受了不同程度的经济衰退的冲击,私人财富普遍呈现出增速放缓迹象。与此同时,中国的高净资产值客户群体在中国经济20多年的飞速发展过程中迅速崛起,这个群体以高速的财富增长和迅速扩大的人数规模,将全球私人银行业的眼光都吸引到了中国。从2007年开始,国内商业银行开始掀起了私人银行业务风潮,各大商业银行纷纷进军私人银行领域,抢夺个人高端金融服务市场。在这样的环境中,中资商业银行的私人银行业务发展从一开始就面临着国内银行业分业经营、利率管制、投资渠道不畅、金融工具匮乏、缺乏有效法律保障等众多问题,再加上金融危机过后带来的全球经济复苏缓慢、国内金融体制改革压力增加、金融监管变严、私人银行客户更加理性等变化,使中资商业银行私人银行业务发展面临着严峻考验。本文以管理学、市场营销学、金融学等理论为基础,以私人银行业务的工作实践为指导,试图通过运用比较分析法、实证分析法和规范分析法等研究思路和方法,分析和研究中资商业银行私人银行业务发展问题。本论文首先通过首先从私人银行业务的定义分析入手,归纳总结了私人银行业务的特点,梳理了私人银行业务发展历史,同时分析和总结出西方私人银行业务发展特点与经验,力求勾勒出私人银行业务的轮廓。其次,在业务概述基础上,详细剖析了当前中国私人银行业务所面临的内外部环境,发掘出中资商业银行发展私人银行业务的内在优势和动力。最后,通过介绍当前中资商业银行私人银行业务的发展现状,找到并分析目前私人银行业务发展的制约因素,为中资银行突破发展私人银行面临的瓶颈问题提出解决建议。
[Abstract]:Private banking is the top professional package of financial services provided by wealth management . Private banking is located at the top of the business pyramid of commercial banks . It is based on investment management business . It is the most dazzling pearl of the world ' s banking industry on the basis of investment management business . It is believed that private banking and investment banking is the most dazzling pearl of the world ' s banking industry . According to statistics , the global private banking industry manages about $ 4.5 trillion in 2004 , distributed in financial centres such as Geneva , Zurich , London , New York , Miami , Singapore and Hong Kong . The internationalization of private banks in the West also led to the development of private banks in Asia . On 27 September 2005 , the Group of American International Group ( AIG ) , a private bank specializing in private banking , opened in Shanghai , marking the formal entry of international private banks into the Chinese market . In March 2007 , the Bank of China formally announced its cooperation with the Royal Bank of Scotland in private banking , and thus opened the curtain on the entry of Chinese commercial banks into the high - end financial services market . In the wake of the global financial crisis in 2008 , global private banking has been hit by a different degree of economic recession , and the global private banking industry has experienced a slowdown in growth . At the same time , China ' s high net asset value client group has attracted China from the very rapid development of China ' s economy for more than 20 years . At the same time , China ' s high net asset value client group has attracted China from the start of the rapid development of China ' s economy . In this environment , China ' s domestic commercial banks are facing a lot of problems such as domestic banking division , interest rate control , investment channels , financial instruments , lack of effective legal protection , etc . Based on the theory of management , marketing and finance , this paper attempts to analyze and study the private banking development of Chinese - funded commercial banks by using comparative analysis , empirical analysis and normative analysis .

【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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