私人银行信息系统建设研究
发布时间：2018-10-10 10:44
【摘要】：自加入WTO后，我国经济和银行业受到某种程度上的冲击。首先是业务范围问题。西方各国的银行向全能银行发展，并依仗全能银行或其一系列子公司的业务优势来争夺客户。我国的银行法则坚持银行、证券、信托、保险四业分管，不但束缚了自己的手脚，也妨碍了自己去积累全能银行综合服务的经验。其次是自主经营问题。国外银行有自主经营的优势，中国国有商业银行的自主经营则相对较弱。比如，在存贷款利率、呆账准备金的提取额度，以及呆坏账核销等方面都有诸多限制。最后是金融手段和金融创新方面的竞争。一方面国内商业银行对金融创新重要性认识不足，动机不明确。另一方面是缺乏开发创新产品的动力，产品同质化现象严重。第三方面是缺乏具有开发创新产品的复合型知识的高素质人才。第四方面是金融创新的信息技术支撑比较乏力。 近年来，私人银行业务在我国金融市场迅速发展壮大。开办私人银行对于商业银行来说有如下好处。第一，促进商业银行品牌建设，提高知名度；第二，促进客户分层管理，利用个性化服务和产品吸引客户，降低流失率；第三，私人银行业务具有资本占用率低，利润率高的特点，可大大提高商业银行的中间业务收入水平；第四，扩展金融创新手段，提高创新能力；第五，促进客户经理、投资顾问队伍建设，提升商业银行人才素质。 但是，业务的发展离不开中后台支撑系统。私人银行信息系统（Private BankingInformation System，简称PBIS）是后台支撑系统的重要组成部分，它的强大与否直接关系到私人银行经营管理的兴衰。经研究分析及实践证明，客户关系管理、客户综合视图、绩效考核、业绩统计分析、风险管理、开放式产品平台等是私人银行机构经营管理必不可少的支撑模块。随着高净值人群的发展，他们对金融服务的深度和广度都在不断变化，个性化、多元化的投资组合需求越来越强烈，，促使私人银行的营销模式也由产品驱动转变为客户需求驱动。因此，私人银行信息系统也在不断完善，以满足经营发展的需求。 本文立足于国内私人银行业务现况，对其信息系统的重要功能模块的设计进行了阐述，并结合信息技术的发展趋势对未来私人银行信息系统的功能进行了假想，希望给初涉私人银行业务的金融机构作为参考依据。论文编写过程中，作者阅读了大量国内外关于私人银行的文献，并且到某国内商业银行私人银行调研，搜集了许多重要信息，为文章的论点提供了有力的支撑。虽然私人银行在国外已经有一定的发展历史，但在国内的还相当短，况且很多国外优秀的系统及理论在国内并非完全适用。因此，本文既借鉴了国外的先进理论，又结合了国内的实际现状。相信本文对那些在私人银行业奋斗的仁人志士和尚未开办私人银行业务的金融机构将会有一定的参考价值，这也是本文写作的初衷之一。
[Abstract]:Since China's entry into WTO, China's economy and banking have been impacted to some extent. The first is the scope of business. Western banks develop to universal banks and rely on the business advantages of universal banks or their subsidiaries to compete for customers. The banking law of our country adheres to the management of banking, securities, trust and insurance, which not only binds one's own hands and feet, but also hinders oneself from accumulating the experience of universal banking comprehensive service. Second is the issue of self-management. Foreign banks have the advantage of independent operation, while Chinese state-owned commercial banks are relatively weak. For example, there are many restrictions on deposit and loan rates, the amount of bad-debt reserves, and write-off of bad debts. Finally is the financial means and the financial innovation aspect competition. On the one hand, the domestic commercial banks have insufficient understanding of the importance of financial innovation, and the motives are not clear. On the other hand, the lack of development of innovative products, product homogenization phenomenon is serious. The third aspect is the lack of high-quality talents with complex knowledge of developing innovative products. The fourth aspect is that the information technology support of financial innovation is relatively weak. In recent years, private banking business in China's financial market has grown rapidly. Private banking has the following advantages for commercial banks. First, to promote the brand building of commercial banks and increase their visibility; second, to promote customer stratification management, to attract customers with personalized services and products, and to reduce the wastage rate; third, private banking has low capital occupancy rate. The characteristics of high profit margin can greatly improve the intermediate business income level of commercial banks; fourth, expand the means of financial innovation and improve innovation ability; fifth, promote the construction of client managers and investment advisers, and improve the quality of talents in commercial banks. However, the development of business can not be separated from the background support system. Private bank information system (Private BankingInformation System,) is an important part of backstage support system. Its strength or not is directly related to the rise and fall of private bank management. Through research and practice, it is proved that customer relationship management, customer comprehensive view, performance appraisal, performance statistics analysis, risk management, open product platform and so on are the essential supporting modules of private banking organization management. With the development of high net worth people, their depth and breadth of financial services are constantly changing, personalized, diversified portfolio demand is increasing. The marketing model of private banks has also changed from product-driven to customer-driven. Therefore, the private bank information system is also constantly improving to meet the needs of business development. Based on the current situation of private banking in China, this paper expounds the design of the important function modules of its information system, and hypothesizes the function of the information system of private bank in the future in combination with the development trend of information technology. I hope to give the financial institutions involved in private banking as a reference basis. In the process of writing the paper, the author read a lot of domestic and foreign literature about private bank, and went to a domestic commercial bank private bank research, collected a lot of important information, which provided a strong support for the thesis. Although private banks have a certain history of development in foreign countries, they are still relatively short in China, and many foreign excellent systems and theories are not fully applicable in China. Therefore, this paper not only draws lessons from the advanced theories of foreign countries, but also combines the actual situation of our country. It is believed that this paper will have some reference value for those people who struggle in the private banking industry and the financial institutions that have not set up the private banking business, which is one of the original intention of this paper.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：TP311.52
本文编号：2261472
[Abstract]:Since China's entry into WTO, China's economy and banking have been impacted to some extent. The first is the scope of business. Western banks develop to universal banks and rely on the business advantages of universal banks or their subsidiaries to compete for customers. The banking law of our country adheres to the management of banking, securities, trust and insurance, which not only binds one's own hands and feet, but also hinders oneself from accumulating the experience of universal banking comprehensive service. Second is the issue of self-management. Foreign banks have the advantage of independent operation, while Chinese state-owned commercial banks are relatively weak. For example, there are many restrictions on deposit and loan rates, the amount of bad-debt reserves, and write-off of bad debts. Finally is the financial means and the financial innovation aspect competition. On the one hand, the domestic commercial banks have insufficient understanding of the importance of financial innovation, and the motives are not clear. On the other hand, the lack of development of innovative products, product homogenization phenomenon is serious. The third aspect is the lack of high-quality talents with complex knowledge of developing innovative products. The fourth aspect is that the information technology support of financial innovation is relatively weak. In recent years, private banking business in China's financial market has grown rapidly. Private banking has the following advantages for commercial banks. First, to promote the brand building of commercial banks and increase their visibility; second, to promote customer stratification management, to attract customers with personalized services and products, and to reduce the wastage rate; third, private banking has low capital occupancy rate. The characteristics of high profit margin can greatly improve the intermediate business income level of commercial banks; fourth, expand the means of financial innovation and improve innovation ability; fifth, promote the construction of client managers and investment advisers, and improve the quality of talents in commercial banks. However, the development of business can not be separated from the background support system. Private bank information system (Private BankingInformation System,) is an important part of backstage support system. Its strength or not is directly related to the rise and fall of private bank management. Through research and practice, it is proved that customer relationship management, customer comprehensive view, performance appraisal, performance statistics analysis, risk management, open product platform and so on are the essential supporting modules of private banking organization management. With the development of high net worth people, their depth and breadth of financial services are constantly changing, personalized, diversified portfolio demand is increasing. The marketing model of private banks has also changed from product-driven to customer-driven. Therefore, the private bank information system is also constantly improving to meet the needs of business development. Based on the current situation of private banking in China, this paper expounds the design of the important function modules of its information system, and hypothesizes the function of the information system of private bank in the future in combination with the development trend of information technology. I hope to give the financial institutions involved in private banking as a reference basis. In the process of writing the paper, the author read a lot of domestic and foreign literature about private bank, and went to a domestic commercial bank private bank research, collected a lot of important information, which provided a strong support for the thesis. Although private banks have a certain history of development in foreign countries, they are still relatively short in China, and many foreign excellent systems and theories are not fully applicable in China. Therefore, this paper not only draws lessons from the advanced theories of foreign countries, but also combines the actual situation of our country. It is believed that this paper will have some reference value for those people who struggle in the private banking industry and the financial institutions that have not set up the private banking business, which is one of the original intention of this paper.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：TP311.52
【参考文献】
相关期刊论文 前1条
1 董露茜;;私人银行争夺战[J];新财经;2013年01期
本文编号：2261472
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