我国商业银行私人银行业务发展研究

发布时间：2018-04-27 14:29

本文选题：私人银行 + 战略管理　；参考：《电子科技大学》2013年硕士论文

【摘要】：私人银行业务作为高利润的业务,无论在国外还是国内都是各大商业银行追逐的业务板块,根据2013年全球私人银行和财富管理报告显示,在未来2年内,全球的私人银行将中国高净值客户市场列为全球私人银行开拓新客户的重要战场。而我国商业银行真正意义上开展私人银行业务从2007年中国银行的初探私人银行业务开始,虽然经历了6年多的发展,但是相比有着数百年历史的国外商业银行巨头花旗、汇丰等私人银行部门仍然存在巨大的差距。本文以我国商业银行私人银行如火如荼开展为研究背景,主要运用战略管理的方法对我国商业银行当前私人银行业务开展情况的进行了探讨和研究。首先,我国针对我国商业银行开展私人银行的内部环境和外部环境,分别用了SWOT模型和PEST模型进行分析,突出强调随着我国经济的发展富人阶层,即高净值客户群体增长和我国商业银行在业务发展的政策环境迫使下战略转型的必要性为我国私人银行发展提供了巨大的机遇。同时,国内商业银行在发展私人银行业务时,受到国外商业银行巨擘的巨大的竞争。因此,本文为我国商业银行发展私人银行业务提出加强中外合作、建设复合的人才和完备专业的团队、完善私人银行业务营销体系、健全法律法规等策略,重点强调我国私人银行开展过程中要建立风险的动态控制体系。
[Abstract]:Private banking, as a highly profitable business, is the business sector pursued by major commercial banks both at home and abroad. According to the 2013 Global report on Private Banking and Wealth Management, in the next two years, Private banks around the world have identified China's high net worth market as an important battleground for global private banks to open up new customers. In the real sense of Chinese commercial banks, the private banking business began from the initial exploration of the Bank of China in 2007. Although it has gone through more than six years of development, it is compared with Citigroup, a foreign commercial banking giant with a history of hundreds of years. There is still a huge gap in private banking, such as HSBC. Based on the background of the development of private banks in China, this paper mainly uses the method of strategic management to discuss and study the development of private banking business in China's commercial banks. First of all, in view of the internal and external environment of private banks in China's commercial banks, the SWOT model and the PEST model are used to analyze the internal and external environment respectively, with the emphasis on the rich class with the development of our economy. That is, the growth of high net worth customer group and the necessity of strategic transformation of commercial banks under the policy environment of business development in our country provide great opportunities for the development of private banks in our country. At the same time, the domestic commercial banks in the development of private banking business, foreign commercial banks by the giant competition. Therefore, this paper puts forward some strategies for Chinese commercial banks to develop private banking business, such as strengthening Sino-foreign cooperation, building complex talents and complete professional teams, perfecting the marketing system of private banking business, perfecting laws and regulations, and so on. Emphasis is placed on the establishment of a dynamic risk control system in the course of private bank development in China.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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