私人银行业务的国际比较和在我国的发展

发布时间：2018-04-21 16:57

本文选题：私人银行 + 国际主流模式　；参考：《苏州大学》2013年硕士论文

【摘要】：私人银行是各类金融机构向高净值客户提供涉及金融及非金融领域的个性化、私密性强的综合性服务体，其业务边界贯穿财富管理、投资银行、信托等多个行业领域。私人银行业务起源于17世纪的瑞士，原本服务于欧洲皇室贵族的私人银行，从18世纪产业革命后，相继在欧洲、美国得到蓬勃发展，，到了21世纪，随着亚洲经济的快速发展，私人银行在新加坡、香港等地迅速发展起来。近年来，随着中国经济飞速发展，居民财富呈现爆炸性增长，一个稳定并持续增长的高收入富裕人群正在形成壮大。如今私人银行业务已逐渐成为中国商业银行转型发展、业务创新的重要着力点，尽管中国商业银行躲避掉了全球金融海啸的狂风巨浪，但来自利率市场化、金融脱媒的潜在威胁，原先依赖于高额存贷利差、粗放经营的商业模式已无法长期维计。在金融全球化、综合化发展背景下，随着资本市场的迅速发展和金融创新进程的加快，私人银行业将成为国内各家商业银行最具发展潜力的核心主动力之一。 2012年是中资银行开启私人银行业务的第五年，国内财富管理行业和资产管理行业的新格局逐渐成形。以北京银行为例，2011年末该行在城市商业银行中首家推出私人银行服务，成为第12家开展私人银行业务的中资银行。随着中国金融市场的不断开放和发展，私人银行业务正以其高附加值的特点成为中外资银行竞相争夺的重要业务领域。本文通过对私人银行的基本内容、发展模式，中资私人银行与外资私人银行在中国市场的优势和劣势比较分析，全面阐述了中资私人银行所存在的问题和可能的发展方向。
[Abstract]:Private bank is a kind of comprehensive service that financial institutions provide to high net worth customers in financial and non-financial fields. The business boundary of private bank runs through wealth management, investment banking, trust and other industries. Private banking originated in Switzerland in the 17th century, originally serving the European royal family and nobility. After the industrial revolution of the 18th century, it flourished in Europe and the United States, and in the 21st century, with the rapid development of the Asian economy, Private banks are growing rapidly in Singapore, Hong Kong and other places. In recent years, with the rapid development of China's economy, residents' wealth has exploded, and a stable and growing high income rich population is growing. Today, private banking has gradually become an important focus for the transformation and development of Chinese commercial banks and business innovation. Although Chinese commercial banks have shunned the storm of the global financial tsunami, they have come from the marketization of interest rates. The potential threat of financial disintermediation, originally dependent on high deposit and loan spreads, the extensive business model can no longer long-term maintenance. Under the background of financial globalization and comprehensive development, with the rapid development of capital market and the acceleration of financial innovation, private banking will become one of the core driving forces of the most potential development of commercial banks in China. 2012 is the fifth year for Chinese banks to start their private banking business, and a new pattern of domestic wealth management and asset management is taking shape. At the end of 2011, Bank of Beijing, for example, launched its first private banking service in a city commercial bank, making it the 12th Chinese bank to conduct a private banking business. With the continuous opening and development of China's financial market, private banking is becoming an important business field competing for by Chinese and foreign banks because of its high added value. Based on the comparative analysis of the basic contents, the development model, the advantages and disadvantages of Chinese private banks and foreign private banks in China, this paper expounds the existing problems and possible development direction of Chinese private banks.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F831.2

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