我国商业银行发展私人银行业务创新研究

发布时间：2018-11-27 14:54

【摘要】：私人银行业务是指以财富管理为核心,面向高净资产客户所提供的顶级专业化的一揽子金融服务,其已成为当今国际知名商业银行的战略核心业务。私人银行业务是国际商业银行的高端业务,也是我国商业银行推动经营转型、向真正意义上的一流商业银行过度必须要大力发展的业务。随着市场经济的快速发展,中国已经形成了一支在社会经济中越来越具有影响力的高收入群体,但由于缺失真正的私人银行服务,该群体日益增长的财富管理需求难以得到有效满足。金融全面开放后,私人银行在国内具有广阔的发展空间。本文详细介绍了国际上商业银行私人银行业务的内容、特点以及业务流程,并以瑞银集团私人银行业务为例,研究其产品、特点、组织形式和重要经营方法。在此基础上,客观分析了我国当前商业银行私人银行业务发展的现状,进而从组织形式、业务创新、人才培养、风险防范等方面提出了我国商业银行发展私人银行业务的思路与对策。
[Abstract]:Private banking refers to the top specialized financial services provided by the clients with high net assets with wealth management as the core. It has become the strategic core business of the international famous commercial banks. Private banking is the high-end business of international commercial banks, and it is also the business that our commercial banks must develop vigorously to promote the transformation of management to the real first-class commercial banks. With the rapid development of the market economy, China has formed a high-income group with more and more influence in the social economy, but due to the lack of real private banking services, The growing wealth management needs of this group are difficult to meet effectively. After the full opening of finance, private banks in China have a broad space for development. This paper introduces in detail the contents, characteristics and business process of private banking business of commercial banks in the world. Taking the private banking business of UBS Group as an example, this paper studies its products, characteristics, organization forms and important management methods. On this basis, this paper objectively analyzes the current situation of the private banking business development of commercial banks in China, and then from the organizational form, business innovation, talent training, This paper puts forward the ideas and countermeasures of developing private bank business in China's commercial banks from the aspects of risk prevention and so on.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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