我国私人银行业务发展的影响因素分析

发布时间：2018-06-26 11:58

本文选题：私人银行业务 + 促进因素　；参考：《云南财经大学》2013年硕士论文

【摘要】：私人银行业务是商业银行提供给高净值客户的非常专业性的以财富管理为核心的一揽子服务。随着经济的发展，私人银行业务受到了国际银行业的普遍重视，并逐渐成为全球银行发展的重点领域和利润增长的重要来源。我国私人银行刚刚发展五年仍处于初期阶段，存在诸多因素如专业人士缺乏、法律制度不全面，因此采取行之有效的措施来促进私人银行业务的发展已成为中国银行业的一项重要任务，同时，面对我国宏观环境的风云变化、资本市场的日趋成熟和金融监管机制的革新，国外私人银行在我国经济环境的发展限制逐渐减少，我国各银行要想在与国外私人银行的竞争中立于不败之地，占据市场份额，就必须抓住这一历史机遇，提高自身的银行服务体系。本文以影响私人银行业务发展的因素为主线，系统分析我国银行发展私人银行所处的政策和社会环境，，为我国金融监管部门提供改革建议，提出能进一步促进我国私人银行业务发展的可行性条件，引导我国私人银行业务的稳定健康发展。本文使用的研究方法主要包括两种:一是实证分析法，在简单阐述我国私人银行业务发展状况和提出面临的问题基础上，对我国私人银行发展的促进因素做实证分析；二是比较分析法，通过介绍两家发达国家私人银行业务的发展及特点后，总结国外私人银行业务发展的因素，以此为借鉴，找出今后改革和完善我国私人银行业务的办法。论文共分七个部分：第一章为绪论，介绍论文的研究背景和对象以及研究目的和意义等；第二章是私人银行业务概述，主要介绍私人银行业务的发展情况、业务特点、发展中的问题以及与财富管理、零售银行的区别；第三章是对全球私人银行业务发展的总体评述及国外私人银行业务的促进因素；第四章从三个主要方面介绍我国私人银行业务发展的促进因素；第五章，总结影响私人银行业务发展的制约因素，包括国家政策、社会环境和私人银行自身服务体系；第六章是针对前面的发展问题和制约因素提出的改进意见；第七章是总结。
[Abstract]:Private banking is a very professional package of services provided by commercial banks to high net worth clients, focusing on wealth management. With the development of economy, private banking has been paid more and more attention to by international banks, and has gradually become an important area of global banking development and an important source of profit growth. China's private banks have just been developed for five years and are still in their infancy. There are many factors, such as the lack of professionals and the incomplete legal system. Therefore, taking effective measures to promote the development of private banking business has become an important task of China's banking industry. At the same time, in the face of the changes in the macro environment of our country, the capital market is becoming more and more mature and the financial supervision mechanism is innovating. The restrictions on the development of foreign private banks in China's economic environment are gradually decreasing. If our banks want to remain invincible in the competition with foreign private banks and occupy market share, they must seize this historical opportunity. Improve its own banking services system. Taking the factors influencing the development of private banking as the main line, this paper systematically analyzes the policy and social environment in which Chinese banks develop private banks, and provides suggestions for the reform of China's financial supervision departments. This paper puts forward the feasible conditions to further promote the development of private banking business in China and guide the steady and healthy development of private banking business in China. The research methods used in this paper mainly include two kinds of research methods: one is empirical analysis, on the basis of simply explaining the development of private banking business in China and putting forward the problems, the author makes an empirical analysis on the factors that promote the development of private banks in China; The second is comparative analysis. After introducing the development and characteristics of private banking business in two developed countries, this paper summarizes the factors of private banking business development in foreign countries, and finds out the ways to reform and perfect the private banking business in China in the future. The thesis is divided into seven parts: the first chapter is the introduction, which introduces the research background, object, purpose and significance of the paper, the second chapter is an overview of the private banking business, mainly introduces the development of private banking business, business characteristics, etc. The third chapter is a general review of the development of the global private banking business and the promotion factors of foreign private banking business. Chapter four introduces the factors that promote the development of private banking business in China from three main aspects: chapter five summarizes the restrictive factors that affect the development of private banking business, including national policy, social environment and private bank's own service system; The sixth chapter is a summary of the development problems and constraints.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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