战略转型下我国商业银行私人银行业务研究
发布时间：2019-02-16 22:15
【摘要】：近年来，我国经济的不断发展，富裕人群的数量越来越多，带来了财富的累积以及对财富管理的需求日趋旺盛，这为我国商业银行的发展提供了巨大的机遇。商业银行要取得成功，必须要加快自身的战略转型，以适应经济金融化、金融市场化的进程。在转型的背景下，高净值客户已成为全球商业银行获取市场份额的突破口。我国的商业银行必须加大私人银行业务的发展力度，才能在竞争中立于不败之地。 私人银行作为商业银行向高端富裕阶层提供的以财富管理为核心的金融服务，具有隐秘性、综合性以及个性化的特点，以及较高的收益。面对不同类型的客户，私人银行应制定出不同的适合客户需求的投资理财以及资产管理计划，最大化的满足客户的需求。近几年来，私人银行在商业银行业务中的比重在不断地上升。 本文首先研究了我国商业银行转型的问题，阐述了转型的动因以及路径的选择，引出战略转型下发展私人银行的重要性。其次，介绍了对私人银行的特点以及与其他银行业务的比较。然后通过分析提出了我国的私人银行在战略转型背景下所存在的问题，最后，结合西方先进的经验，从自身情况出发，对我国私人银行发展存在的问题提出了对策。
[Abstract]:In recent years, with the continuous development of our economy, the number of rich people is more and more, which brings about the accumulation of wealth and the increasing demand for wealth management, which provides a great opportunity for the development of commercial banks in our country. In order to succeed, commercial banks must speed up their own strategic transformation in order to adapt to the process of economic financialization and financial marketization. In the context of transformation, high net worth customers have become the global commercial banks to gain market share breakthrough. The commercial banks of our country must strengthen the development of the private banking business in order to be invincible in the competition. As a commercial bank, private banks provide financial services with wealth management as the core, which has the characteristics of privacy, comprehensiveness and individuation, as well as higher returns. In the face of different types of customers, private banks should formulate different investment financing and asset management plans to meet the needs of customers. The proportion of private banks in commercial banking has been rising in recent years. This paper first studies the problem of the transformation of commercial banks in China, expounds the motivation and path of the transformation, and leads to the importance of developing private banks under the strategic transformation. Secondly, it introduces the characteristics of private banks and the comparison with other banks. Then it puts forward the problems existing in the background of the strategic transformation of the private banks in our country. Finally, combining with the advanced experience of the west, the author puts forward the countermeasures to the problems existing in the development of the private banks in our country according to their own conditions.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2
本文编号：2424891
[Abstract]:In recent years, with the continuous development of our economy, the number of rich people is more and more, which brings about the accumulation of wealth and the increasing demand for wealth management, which provides a great opportunity for the development of commercial banks in our country. In order to succeed, commercial banks must speed up their own strategic transformation in order to adapt to the process of economic financialization and financial marketization. In the context of transformation, high net worth customers have become the global commercial banks to gain market share breakthrough. The commercial banks of our country must strengthen the development of the private banking business in order to be invincible in the competition. As a commercial bank, private banks provide financial services with wealth management as the core, which has the characteristics of privacy, comprehensiveness and individuation, as well as higher returns. In the face of different types of customers, private banks should formulate different investment financing and asset management plans to meet the needs of customers. The proportion of private banks in commercial banking has been rising in recent years. This paper first studies the problem of the transformation of commercial banks in China, expounds the motivation and path of the transformation, and leads to the importance of developing private banks under the strategic transformation. Secondly, it introduces the characteristics of private banks and the comparison with other banks. Then it puts forward the problems existing in the background of the strategic transformation of the private banks in our country. Finally, combining with the advanced experience of the west, the author puts forward the countermeasures to the problems existing in the development of the private banks in our country according to their own conditions.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2
【引证文献】
相关期刊论文 前1条
1 张淮青;;论商业银行的私人银行如何开展财富顾问服务[J];财经界(学术版);2016年12期
相关硕士学位论文 前3条
1 王晓珂;X银行大连分行私人银行业务经营策略研究[D];大连理工大学;2016年
2 张莹莹;合肥市某商业银行私人银行业务营销策略改进研究[D];安徽大学;2016年
3 石一婷;沈阳ZG银行私人银行专属产品开发策略研究[D];大连理工大学;2015年
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