我国私人银行业务发展对策研究

发布时间：2018-01-13 21:14

本文关键词：我国私人银行业务发展对策研究　出处：《广东工业大学》2013年硕士论文　论文类型：学位论文

【摘要】：私人银行业务起源于16世纪的瑞士日内瓦,在近三四百年的发展历程中,这一曾经只为为少数欧洲皇室、贵族、高管管理财富,有着神秘感的金融业务,已经发展成为海内外众多金融机构的高端富裕客户参与的现代私人银行。近几年,随着中国经济的快速增长,中国居民的财富呈现爆发性的大幅提升,以及银行战略转型的提速,国内私人银行也开始从中国人印象中的神秘机构,迅速落地开花。面对中国这个新兴市场,私人银行业务具有相当的市场潜力和发展空间,在短短的四五年中,不仅有大量外资私人银行纷纷涌入,抢占这块巨大的蛋糕,本土的商业银行,比如中国银行、招商银行等,也相继推出私人银行业务。但是,私人银行业务在国内还是新鲜事物,在发展的过程中也暴露出一系列问题,比如,私人银行业务在发展中遇到的监管政策问题；私人银行的产品和服务开发还需深化；私人银行人才团队的建设；私人银行品牌如何打造还需探索等。如何解决上述问题,建立适合中国国情的私人银行发展模式,需要我们进一步研究分析。本文收集了大量的数据资料,对国内外私人银行业务发展现状进行了阐述,并通过数据分析,展现目前中国市场需求情况。同时,针对目前私人银行业务在国内发展呈现出的问题进行了剖析,并提出了有针对性的对策观点。私人银行业务在国内仍处于起步阶段,但长期来看,通过论证分析,私人银行业务将成为中资银行未来发展的利润增长点和业务创新点。
[Abstract]:The private banking business began in sixteenth Century in Geneva in Switzerland, in nearly three hundred or four hundred years of development, the once only for a handful of European royalty, nobility, wealth management executives, a mysterious financial business, has become a modern private banking financial institutions at home and abroad to participate in many high-end wealthy clients in recent years. With the rapid growth of economy, Chinese, greatly enhance the China wealth of residents have an explosive, and speed up the bank's strategic transformation, the domestic private banking institutions also began to Chinese from mysterious impression, fell rapidly to flowering. Chinese in the face of this emerging market, private banking business has a considerable market potential and development space, in short four or five years, not only a large number of foreign private banks influx, seize this huge cake, the local commercial banks, such as China bank, China Merchants Bank, also. After the introduction of private banking business.
However, the private banking business in China is still a new thing, in the development process also exposed a series of problems, for example, regulatory policy issues encountered in the development of private banking business; private banking products and services development still need to deepen the construction of talent team; private bank; private banks also need to explore how to build a brand. How to solve the above problems, the establishment of the mode of development of the private bank for Chinese conditions, we need to further study.
This paper collected a large amount of data, the status of domestic and international development of the private banking business is discussed, and through data analysis, the current situation shows Chinese market demand. At the same time, the private banking business is analyzed in the domestic development presents the problems, and put forward the Countermeasures of the view of the private banking business is still. In the initial stage in China, but in the long term, through the demonstration analysis, the private banking business will become the future development of Chinese banks profit growth and business innovation.

【学位授予单位】：广东工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

【参考文献】