我国私人银行业务发展模式研究

发布时间：2018-04-04 06:23

本文选题：私人银行　切入点：发展模式　出处：《安徽大学》2012年硕士论文

【摘要】：2008年的金融风暴让很多昔日风光无限的金融巨头也被撕扯地满目疮痍,但有一些金融业务相对而言受到危机的影响并不大。例如,私人银行业务的收入水平虽大幅下降,但全世界90%以上的私人银行在金融危机的背景下依然创造了利润,并且私人银行业务能够根据外部商业环境的变化,适时进行运营模式的调整,从而反映出与投资银行等业务相比,私人银行业务表现出更强的抗击系统性风险的能力。在“后危机时代”,私人银行业务将成长为全球商业银行新的利润增长点。对中国银行业而言,私人银行业拥有广阔的空间。一方面,中国的富裕人口规模越来越大,对财富的投资需求越来越大。另一方面,利率市场化,金融脱媒的潜在威胁,意味着依赖信贷业务扩张的、粗放式的发展模式已经无法持续。自从2007年3月我国第一家私人银行建立,私人银行在我国发展的序幕由此拉开,外资银行早就非常看好我国私人银行业的发展,私人银行业务贯穿于零售银行、财富管理、投资银行等多个领域,势必将成为中外资银行实力比拼的又一战场,也是中国商业银行脱胎换骨的重要起点。 2011年是中国“十二五”规划的开局之年,但对金融从业者而言也是内外部风险交替显现之年,主权债务危机和世界经济二次探底的预期,已经引发了国际金融市场和大宗商品的剧烈振荡。中国经济在错综复杂的内外矛盾中正在进行着艰难转型,在这一背景下,中国私人银行业需要分析大势、把握方向、总结经验、迈向未来。我国私人银行业务还处于起步摸索阶段,本文以此为出发点,从外部环境和内部因素来分析国外著名的私人银行的产品架构、服务模式及运行机制等成功经验,结合我国的实际情况,探索适合我国商业银行发展私人银行发展之路,并在此基础上提出相应的建议。本文主要分为三个部分：第一部分是本文一些基础理论工作,主要是对私人银行的概念和起源、特点、核心业务及国内外文献综述的介绍和比较分析来对私人银行有个全面的了解。简单介绍了全球私人银行发展的历程,并将私人银行的发展区域分为欧洲、北美和亚洲地区,并在这三个区域内选取具有代表性的私人银行包括瑞银集团、花旗银行和汇丰银行来分析其成功的要素,对下文探索我国私人银行的发展模式提东一定的借鉴作用。第二部分是对私人银行发展模式的介绍和分析。从私人银行的运营流程来看,其组织模式、服务模式和盈利模式对私人银行的发展起到至关重要的作用,因此本文将主要从以上三个方面来分析私人银行的发展模式。首先对西方的私人银行的组织模式、服务模式和盈利模式进行分类介绍和比较分析。其次是对我国目前的私人银行的发展模式进行介绍和分析,并根据我国的国情分析我国私人银行在组织模式、服务模式和盈利模式的选择上不同于西方国家的原因,并以西方成熟私人银行的发展历程和经验来提出我国私人银行目前发展模式存在的问题和障碍。第三部分主要是在第二部分的基础上对我国私人银行发展模式存在的问题和障碍提出的改进的建议和措施,并结合西方的发展经验来展望我国私人银行的发展趋势。
[Abstract]:The financial storm in 2008, many former fame financial giants have torn devastation, but there are some financial services relative didn't affected by the crisis. For example, the income level of the private banking business has dropped significantly, but the whole world more than 90% of the private bank in the context of the financial crisis is still creating a profit. And the private banking business according to changes in the external business environment, operation mode adjustment timely, which reflects compared with investment banking, private banking business showed a stronger fight against systemic risk. In the "Post Crisis Era", the private banking business will grow into a new profit growth point in the global commercial banks Chinese. On the banks, private banks have vast space. On the one hand, China rich people increasingly large scale of wealth investment demand More. On the other hand, the interest rate market, the potential threat of financial disintermediation, means dependent on credit expansion, extensive development model has been unable to continue. Since the first private bank in China in March 2007 the establishment of private banks, which opened in the prelude to the development of our country, the development of foreign banks in China had been very optimistic about private banking, private banking business in retail banking, wealth management, investment banking and other fields, is bound to become a battlefield in the strength of competition of foreign banks, and commercial banks Chinese reborn to the starting point.
2011 is China "12th Five-Year" plan at the beginning of the year, but for financial practitioners is the internal and external risks appear alternately in the sovereign debt crisis and the world economy double dip is expected, has led to severe shock to the international financial market and commodity economy. China in perplexing internal and external contradictions are difficult the transformation, in this context, Chinese private banks need to analyze the general trend, grasp the direction, summarize the experience into the future. The private banking business in China is still in the initial stage, this article as a starting point to analyze the foreign well-known private banking product architecture from the external environment and internal factors, service mode and operation mechanism successful experience, combined with China's actual situation, explore the development path of private banking of commercial banks in China, and then puts forward some corresponding suggestions.
This article is divided into three parts:
The first part is the basic theory of work, is the main features of the concept and origin of private banks, the core business at home and abroad and the introduction of the literature review and comparative analysis to have a comprehensive understanding of the private bank. Introduce the process of global private banking development, and the development of private banking area is divided into Europe. North America and Asia, and in the three regions selected representative of the private banks, including UBS, analyze the success factors of Citibank and HSBC, to explore the development mode of private banks in China provided certain reference to the east below.
The second part is the introduction and analysis of the development of private banking model. From the flow of private banking operations, its organizational model, service model and profit model is of vital importance to the development of the private bank, this paper will be mainly from the above three aspects to analyze the mode of development of private banks. Firstly, western private the bank's organizational model, service model and profit model are introduced and compared. The second part is introduction and Analysis on the development mode of China's current private banking, and the analysis of China's private banks in the organizational model according to China's national conditions, service mode and profit mode choice is different from western countries, and with the development of the history and experience of western private banks to private banks in China at present model of development problems and obstacles.
The third part is mainly based on the second part, on the basis of our country's private banks development mode problems and obstacles put forward improvement suggestions and measures, combined with western development experience to predict the development trend of private banks in China.

【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【引证文献】