中国银行私人银行产品研发对策研究

发布时间：2018-05-12 16:55

本文选题：私人银行 + 私人银行产品研发　；参考：《大连理工大学》2012年硕士论文

【摘要】：国内改革开放三十多年的让一部分人先富了起来,这群金字塔塔尖的富裕人士形成了巨大的财富管理市场,这些富人对财富的传承、保值增值需求迫切,由此私人银行业务应运而生。中国银行在国内中资银行率先开办了私人银行业务,经过几年发展,已经有了长足的进步。但是在私人银行产品研发方而,目前仍存在一些问题,本研究将通过分析中国银行产品研发的问题,提出改进建议。目前国内的私人银行业务主要以财富管理为核心,对高端客户的财富保值增值提供的私密的、个性化的“管家式”服务。伴随着中国经济转型,国内商业银行也开始业务转型,普遍重视个人高端财富管理业务,私人银行业务更成为各商业银行竞争的重点方向。私人银行的职能是帮助富人打理财富,让这些财富保值增值并世代相传,包括中国银行在内国内目前私人银行产品目前主要是针对财富保值增值方面的,对财富传承、全球化资产配置方面鲜有成功案例。针对国内私人银行产品研发的研究,目前学术界较少涉猎,本文通过对行业环境和中国富人阶层进行分析,结合中国银行目前产品研发状况,提出切实可行的改进措施,主要分为四个部分：一是绪论,叙述了选题背景及文献研究情况以及研究方法；二是介绍了中国银行私人银行产品体系,对产品研发体系状况进行了分析；三是分析了国内高端财富管理市场的行业环境、中国银行私人银行客户的需求、竞争对手产品研发状况、以及私人银行产品未来研发方向等；四是分析了中国银行私人银行产品研发的问题,提出了改进建议。
[Abstract]:After more than 30 years of reform and opening up in China, some people have become rich first. This group of wealthy people at the top of the pyramid has formed a huge wealth management market. These rich people have an urgent need for wealth inheritance, preservation and appreciation. This private banking business emerged as the times require. The Bank of China has taken the lead in private banking in China and has made considerable progress over the past few years. However, there are still some problems in the research and development of private bank products. At present, the domestic private banking mainly takes wealth management as the core, and provides private and individualized "housekeeping" service to the high end customers' wealth preservation and increment. Along with China's economic transformation, domestic commercial banks also began business transformation, the general attention to personal high-end wealth management business, private banking business has become the focus of competition among commercial banks. The function of private banks is to help the rich manage their wealth, to maintain and increase the value of these wealth and to pass on from generation to generation. At present, domestic private banking products, including the Bank of China, are mainly aimed at wealth preservation and appreciation, and inheritance of wealth. There are few successful cases of global asset allocation. In view of the domestic private bank product research and development research, at present the academic circles less dabble, this article through carries on the analysis to the industry environment and the Chinese rich class, unifies the Bank of China present product research and development situation, proposes the feasible improvement measure, It is mainly divided into four parts: first, the introduction, describing the background of the topic, literature research and research methods; second, the introduction of the Bank of China private bank product system, the analysis of the product research and development system; Thirdly, it analyzes the industry environment of domestic high-end wealth management market, the demand of private bank customers of Bank of China, the research and development status of competitors' products, and the direction of future research and development of private bank products. Fourth, it analyzes the problems of Bank of China's private bank product development, and puts forward some suggestions for improvement.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【参考文献】