N银行私人银行业务发展策略研究

发布时间：2018-05-05 09:26

本文选题：N银行 + 私人银行　；参考：《南京农业大学》2014年硕士论文

【摘要】：近年来,随着我国经济的持续多年的稳步增长,社会财富分配结构也发生根本性的变化,民间资本和个人可支配收入逐年增加,个人客户群体的金融需求不断增长,高净值富裕人群呈“爆炸式”膨胀,私人银行客户已成为各家银行机构争相抢夺的客户群体。私人银行业务在我国银行业内悄然兴起已是不争的事实。目前,在我国金融体制改革已经历了改革开放多年来发展,初步形成了较为完备的社会主义市场经济体系。不同性质经济体制并存,相互依赖,相互作用,推动了国内经济的稳定增长,居民收入的持续增加。其问,一个重要的表现特征,就是中国富裕阶层的迅速崛起,中国已拥有足够的富裕人口基数,而且富裕人口集中度非常高。高端富裕客户增长势头迅猛,对国内商业银行来说,发展私人银行业务已经具有良好的成长空间,高端富裕客户目前对银行提供私人银行服务具有现实的市场基础,也为银行在新兴资产管理和私人财富管理业务兴起的过程中找到了新的出路,’为私人银行业务创造了市场机会。本论文的设计思想主要来源于自己从事私人银行业务实际工作中的经验,运用大量的文献分析,并以N银行私人银行业务发展现状作为个案进行深入剖析,具有较强的可操作性、针对性和实战性,力求时效性。在一定程度上能够指导N银行在实施和大力推进私人银行业务战略中,建立和完善适合高端客户个性需求,综合化、专业化的金融服务,认真探索具有N银行特色的私人银行业务运营模式,不但向综合化、多样化发展,更要向国际化、现代化发展,不断提升竞争能力,使其私人银行业务发展步伐始终走在国内各家银行的前列,被各家银行所借鉴,开创未来,具有指导意义。本文首先阐述私人银.行的历史背景和意义、论文研究方法和框架结构；接着对私人银行业务进行定义和特征总结,综述和分析国内外私人银行业务的性质和特点；然后通过对国内外私人银行业务的发展现状和发展中普遍存在问题的分析,探讨私人银行业务发展中的问题和模式；从N银行私人银行的经营实践出发,对N银行私人银行现有客户作数据样本分析,得出N银行私人银行客户的真实需求,再运用SWOT分析法,分析和比较N银行私人银行发展的优势、机遇、劣势和困境；最后得出结论,从战略定位、组织架构、渠道建设、产品创新、人才培养、风险管理等方面提出具体的发展策略。
[Abstract]:In recent years, with the steady growth of China's economy for many years, the distribution structure of social wealth has also undergone fundamental changes, private capital and personal disposable income have increased year by year, and the financial needs of individual customer groups have been increasing. High net worth wealthy people are exploding, and private banking customers have become a scramble among banks. It is an indisputable fact that private banking has emerged quietly in China's banking industry. At present, the reform of financial system in our country has experienced many years of reform and opening up, and has formed a relatively complete socialist market economy system. The coexistence, interdependence and interaction of different economic systems have promoted the steady growth of domestic economy and the continuous increase of residents' income. An important characteristic is the rapid rise of China's wealthy population, which already has an adequate population base and is highly concentrated. High-end wealthy customers are growing rapidly. For domestic commercial banks, the development of private banking business already has a good growth space. High-end wealthy customers now have a realistic market foundation for banks to provide private banking services. It has also created market opportunities for banks in the process of emerging asset management and private wealth management. The design idea of this paper mainly comes from the experience in the private banking business, using a lot of literature analysis, and taking the development status of N bank private banking business as a case study. Have strong maneuverability, pertinence and actual combat, strive for timeliness. To a certain extent, it can guide N Bank in implementing and vigorously promoting the private banking business strategy, and establish and improve financial services that are suitable for the individual needs of high-end customers and are integrated and specialized. To seriously explore the private banking business operation mode with N bank characteristics, not only to integrate and diversify, but also to internationalize, modernize and continuously enhance competitiveness. It is of guiding significance to make its private banking business develop in the forefront of the domestic banks and be used for reference by the banks to create the future. This paper first describes private silver. The historical background and significance of the bank, the research methods and framework structure, the definition and characteristic summary of the private banking business, the summary and analysis of the nature and characteristics of the private banking business at home and abroad; Then through the analysis of the current situation and the common problems in the development of the private banking business at home and abroad, the paper discusses the problems and models in the development of the private banking business, starting from the management practice of the private bank of N bank. Based on the data sample analysis of N bank private bank customers, the real needs of N bank private bank customers are obtained, and then the advantages, opportunities, disadvantages and difficulties of N bank private bank development are analyzed and compared by using SWOT analysis method. Finally, the paper puts forward some specific development strategies from strategic orientation, organizational structure, channel construction, product innovation, talent training, risk management and so on.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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