国内私人银行资产管理业务研究
发布时间：2018-12-10 23:17
【摘要】：在国内改革开放三十多年来经济飞速发展的过程中,催生了大量本土富裕群体,这部分人的高价值资产管理需求越来越强烈,私人银行业务逐渐走进国人视野。私人银行起源于西方,发展至今已有几百年的历史,已经成为和商业银行信贷业务、投资银行业务并驾齐驱的服务体系之一。随着中国逐渐成为私人银行最具潜力的市场,国内外私人银行纷纷建立机构、抢占市场,竞争日趋激烈,而各家机构为高净值客户财富保值增值的资产管理业务成为竞争的焦点。同时,伴随着国内金融改革的深化、利率市场化进程的推进,银行只有通过逐渐脱离对传统业务的绝对依赖才能保持其优异的市场业绩。 私人银行资产管理业务的发展顺应了高净值客户的强烈需求和银行自身寻找新的盈利点的内在要求,近年来发展迅速,但在发展过程中也呈现出了一系列的问题,特别是在风险控制和监管上还有待完善,本文就从这个角度提出问题并提出发展建议。 本文从五个部分介绍私人银行业务：第一部分是研究的意义、方法和创新点；第二部分是私人银行业务的综述,主要是通过借鉴文献中对于私人银行业务的研究,阐述其定义及特征,通过对私人银行业务的发展历史和目前的发展状况,提出发展私人银行资产管理业务的必要性和紧迫性；第三部分介绍私人银行资产管理业务的理论基础和运作机制,理论基础又分为基于客户需求和投资目标的生命周期理论以及基于客户资产配置的投资组合理论。并从产品体系和资产管理流程两方面考察私人银行资产管理业务的运作机制；第四部分是通过对私人银行资产管理的产品体系和资产管理流程中风险点分析,提出当前业务最主要的风险点。从产品体系出发,私人银行的风险主要集中于操作风险和声誉风险,而操作风险更多的体现为代理风险,从资产管理流程出发,私人银行的风险主要集中于资产配置阶段和产品销售阶段,而私人银行资产管理业务主要在产品的使用阶段,故产品销售阶段的风险尤显突出；第五部分是对私人银行资产管理在产品、风险、监管等角度提出发展措施。私人银行作为正在崛起的中间业务之一,对带动银行的利润提升具有重要意义,因此产品的创新和功能优化作为资产管理业务发展的内生动力,对于私人银行的壮大至关重要。当今经济波诡云谲,国内外经济形势持续低迷,为了保障私人银行业务的健康持续发展,完善的风险控制和内外部监管机制尤为重要。
[Abstract]:In the process of rapid economic development in the past 30 years of reform and opening up in China, a large number of local rich groups have been born. The demand for high-value assets management of these people is becoming stronger and stronger, and the private banking business has gradually entered the field of vision of the people. The private bank originated from the west and has been developed for hundreds of years. It has become one of the service systems which keeps pace with the commercial bank's credit business and the investment banking business. As China gradually becomes the most promising market for private banks, private banks at home and abroad have set up institutions to seize the market, and the competition is becoming increasingly fierce. And institutions for high net worth customer wealth preservation and appreciation of asset management business has become the focus of competition. At the same time, with the deepening of domestic financial reform and the promotion of interest rate marketization, banks can maintain their outstanding market performance only by gradually breaking away from the absolute dependence on traditional business. The development of private bank asset management business conforms to the strong demand of high net worth customers and the inherent demand of banks to find new profit points. In recent years, the development of private bank asset management business has developed rapidly, but in the process of development, there have also been a series of problems. Especially in the aspect of risk control and supervision, this paper puts forward some problems and development suggestions from this point of view. This paper introduces the private banking business from five parts: the first part is the significance of the study, methods and innovations; The second part is the summary of private banking business, mainly through the reference to the research of private banking business in the literature, the definition and characteristics of private banking business, the development of private banking business history and current development. The necessity and urgency of developing private bank asset management business are put forward. The third part introduces the theoretical basis and operational mechanism of private bank asset management business. The theoretical basis is divided into life cycle theory based on customer demand and investment goal and portfolio theory based on customer asset allocation. And from the two aspects of product system and asset management process to investigate the private bank asset management business operation mechanism; The fourth part is to put forward the most important risk point of the current business by analyzing the product system and the risk point in the asset management process of private bank. From the point of view of product system, the risks of private banks mainly focus on operational risks and reputation risks, while operational risks are more manifested as agency risks, starting from the process of asset management. The risk of private bank is mainly concentrated in the asset allocation stage and product sale stage, while the private bank asset management business is mainly in the use stage of product, so the risk of product sale stage is especially prominent. The fifth part is the development measures of private bank asset management in the aspects of product, risk, supervision and so on. As one of the emerging intermediate businesses, private banks are of great significance to promote the profits of banks. Therefore, product innovation and function optimization, as the endogenous driving force for the development of asset management business, is of great importance to the growth of private banks. In order to ensure the healthy and sustainable development of private banking business, perfect risk control and internal and external supervision mechanism are particularly important.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2
本文编号：2371392
[Abstract]:In the process of rapid economic development in the past 30 years of reform and opening up in China, a large number of local rich groups have been born. The demand for high-value assets management of these people is becoming stronger and stronger, and the private banking business has gradually entered the field of vision of the people. The private bank originated from the west and has been developed for hundreds of years. It has become one of the service systems which keeps pace with the commercial bank's credit business and the investment banking business. As China gradually becomes the most promising market for private banks, private banks at home and abroad have set up institutions to seize the market, and the competition is becoming increasingly fierce. And institutions for high net worth customer wealth preservation and appreciation of asset management business has become the focus of competition. At the same time, with the deepening of domestic financial reform and the promotion of interest rate marketization, banks can maintain their outstanding market performance only by gradually breaking away from the absolute dependence on traditional business. The development of private bank asset management business conforms to the strong demand of high net worth customers and the inherent demand of banks to find new profit points. In recent years, the development of private bank asset management business has developed rapidly, but in the process of development, there have also been a series of problems. Especially in the aspect of risk control and supervision, this paper puts forward some problems and development suggestions from this point of view. This paper introduces the private banking business from five parts: the first part is the significance of the study, methods and innovations; The second part is the summary of private banking business, mainly through the reference to the research of private banking business in the literature, the definition and characteristics of private banking business, the development of private banking business history and current development. The necessity and urgency of developing private bank asset management business are put forward. The third part introduces the theoretical basis and operational mechanism of private bank asset management business. The theoretical basis is divided into life cycle theory based on customer demand and investment goal and portfolio theory based on customer asset allocation. And from the two aspects of product system and asset management process to investigate the private bank asset management business operation mechanism; The fourth part is to put forward the most important risk point of the current business by analyzing the product system and the risk point in the asset management process of private bank. From the point of view of product system, the risks of private banks mainly focus on operational risks and reputation risks, while operational risks are more manifested as agency risks, starting from the process of asset management. The risk of private bank is mainly concentrated in the asset allocation stage and product sale stage, while the private bank asset management business is mainly in the use stage of product, so the risk of product sale stage is especially prominent. The fifth part is the development measures of private bank asset management in the aspects of product, risk, supervision and so on. As one of the emerging intermediate businesses, private banks are of great significance to promote the profits of banks. Therefore, product innovation and function optimization, as the endogenous driving force for the development of asset management business, is of great importance to the growth of private banks. In order to ensure the healthy and sustainable development of private banking business, perfect risk control and internal and external supervision mechanism are particularly important.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2
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