A银行私人银行业务发展研究

发布时间：2018-05-29 03:36

本文选题：私人银行 + 银行业务　；参考：《广西大学》2014年硕士论文

【摘要】：私人银行在中国属于新生事物,它的出现是与中国加入世贸组织相伴而生的,并随国内富裕人群快速增长而不断壮大发展。这些通过艰苦创业而成功的顶级富裕人群,他们对财富的渴望和需求远远超越了简单的投资、税务和遗产规划。他们需要放眼全球市场,创造多元化的投资组合,尤其是在私人银行业务方面的需求日益增加。据统计,自2007年A银行分别在北京朝阳和上海浦东正式设立A银行私人银行部,成为国内首家发展私人银行业务的本土银行后,经过7年的发展,A银行私人银行的数量发展到今天全国有25家分部。他们为富有人群提供除传统商业银行服务之外的投资银行、保险定制、股权投资、金融租赁等服务,在全球范围内搜寻产品,甚至量身定制,满足客户日益多元的需求,同时也逐步向全球私人银行服务水平看齐,开始提供更为高端、奢华的服务和产品。近年来,随着广西经济的日益增长以及财富客户资产的日益累积,广西的私人银行也进入了一个新的发展阶段。它肩负着三个使命：首先是帮助客户财富保值,确保跑赢CPI；其次是帮助客户赚更多的钱,实现财富增值；最后是帮助客户享受生活。在此发展定位的前提下,本文选取A银行私人银行部作为研究对象,研究区域特色的私人银行业务发展,同时以产品和服务为中心,将私人银行服务与产品研究相结合,借鉴国外私人银行经验,研究出适应广西私人银行发展的具体措施。本文第1章导论对论文做整体介绍。第2章通过文献资料法对私人银行概念和特点进行详细阐述,由此引入私人银行的定义、服务对象及与其他金融服务不同的特质。第3章通过比较研究和实证研究法对A银行私人银行业务发展的现状及由此产生的问题做深入剖析。第4章通过比较研究法分析阐述了美国、瑞士、新加坡等国家私人银行业务发展的现状及带来的启示。第5章在第3章的分析基础上提出A银行私人银行发展中应采取的对策和具体措施。
[Abstract]:Private banking is a new thing in China. Its emergence is accompanied by China's accession to the World Trade Organization (WTO) and has grown rapidly with the rapid growth of the rich population in China. These top wealthy people who succeed through hard work have a desire and demand for wealth that goes far beyond simple investment, taxation, and estate planning. They need to look to global markets and create diversified portfolios, especially in private banking. According to statistics, since 2007, Bank A has officially established the A Bank Private Banking Department in Chaoyang, Beijing, and Pudong, Shanghai, becoming the first local bank in China to develop its private banking business. After seven years of development, the number of private banks has grown to 25 branches across the country. They provide investment banking, insurance customization, equity investment, financial leasing and other services to the rich people in addition to traditional commercial banking services, searching for products around the world and even tailoring them to meet the increasingly diverse needs of their customers. At the same time, the level of private banking services to the global level, began to provide more high-end, luxury services and products. In recent years, with the increasing growth of Guangxi economy and the accumulation of wealth customer assets, Guangxi private banks have entered a new stage of development. It has three missions: first, to help customers maintain wealth, to ensure that they outperform CPI; secondly, to help customers make more money and achieve wealth appreciation; and finally, to help clients enjoy life. On the premise of this development orientation, this paper selects the private banking department of Bank A as the research object, studies the development of private banking business with regional characteristics, and combines the private banking service with the product research, taking the product and service as the center at the same time. Drawing on the experience of foreign private banks, this paper studies the specific measures to adapt to the development of Guangxi private banks. Chapter 1 introduces the whole thesis. In chapter 2, the concept and characteristics of private bank are explained in detail by the method of literature, and the definition of private bank, the object of service and the characteristics different from other financial services are introduced. Chapter 3 makes a deep analysis of the current situation and problems arising from the development of the private banking business of Bank A by means of comparative and empirical research. Chapter 4 analyzes the development of private banking in America, Switzerland, Singapore and other countries by means of comparative research. On the basis of the analysis of Chapter 3, Chapter 5 puts forward the countermeasures and concrete measures to be taken in the development of Bank A Private Bank.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

【参考文献】