招商银行Y分行“金葵花”私人银行业务案例分析
发布时间:2018-01-10 01:18
本文关键词:招商银行Y分行“金葵花”私人银行业务案例分析 出处:《辽宁大学》2016年硕士论文 论文类型:学位论文
更多相关文章: 私人银行业务 高净值客户 资产配置 案例研究
【摘要】:2013年到2014年,中国宏观经济发展进入“新常态”,增长速度从原来的高速转为中高速。在经济“新常态”格局下,中国私人财富市场依然保持了较快的增长速度。综合各项宏观因素对中国私人财富市场的影响,2015年全国个人可投资资产总体规模将达到129万亿元,较2014年增长16%,与2012-2014年的增长速度保持一致;中国高净值人群将达到126万人左右,较2014年增长22%;高净值人群持有财富将达37万亿人民币,同比增长17%。由这些具体数据可以看出,中国私人财富市场持续释放着巨大的市场价值,在未来拥有无限的发展潜力,拥有着光明的发展前景。从银行角度看,首先,在利率市场化的大背景下,发展私人银行有利于推动商业银行业务模式转型、实施差异化战略、应对利率市场化带来的挑战。其次,发展私人银行有利于促进财富管理行业整合提升和金融创新。最后,发展私人银行有利于完善健全我国金融服务的功能体系,有利于国民财富的保护和增值。所以说私人银行的发展壮大既有利于提升市场效率,改善国民生活,同时可以主推商业银行转型升级,提高中间业务收入能力,提升以客户为中心的服务能力,帮助银行在经济下行期依然可以保持稳定的收入水平,减少周期性经济带来的不利影响。本文主要分为五个部分,绪论部分主要介绍了本文的研究背景意义以及本文的创新和不足;第一部分介绍了中国私人银行业务发展的现状和未来的发展趋势;第二部分主要介绍招商银行Y分行私人银行业务案例,首先着眼于国内国外的宏观经济环境,以及股市、债市、大宗商品市场、黄金市场的发展态势,结合客户的资产以及风险承受能力,对客户的资产配置进行了详细的分析及系统的阐述,为客户提供了合理化的配置建议,进一步分析了美联储加息对国内以及国际经济的影响,并对资产进行了动态配置。第三部分主要是从案例出发,针对案例中的优点和缺点进行分析。第四部分结合案例分析,对招商银行私人银行业务提出具体的改进方法及对策性建议。
[Abstract]:From 2013 to 2014, Chinese macro economic development has entered a new normal growth rate, from the original is in high speed rotating speed. In the "new normal" pattern, China private wealth market is still maintained a rapid growth rate. The influence of macroeconomic factors on China private wealth market, in 2015 the national personal overall the scale of investment assets reached 129 trillion yuan, an increase of 16% compared to 2014, consistent with the 2012-2014 growth rate; Chinese high net worth population will reach about 1 million 260 thousand people, an increase of 22% compared to 2014; the population of high net worth wealth holdings will reach 37 trillion yuan, an increase of 17%. by these specific data can be seen, Chinese private wealth market continued to release the huge market value, has unlimited potential for development in the future, have a bright future. From the point of view of the bank, first of all, in the interest rate market big Under the background of the development of private banking is conducive to promoting the transformation of commercial bank business model, implement the strategy to deal with the challenges of the interest rate market. Secondly, the development of private banking is conducive to the promotion of the wealth management industry integration and enhance financial innovation. Finally, the development of private banking is conducive to improve the function of sound system of China's financial services, protection and the value to national wealth. So that the development of the growth of private banks is conducive to enhance market efficiency, improve the people's life, at the same time can be the main push of commercial banks to upgrade, improve intermediary business revenue ability, enhance customer centered service ability, income level to help banks can still remain stable in the period of economic downturn. To reduce the adverse effects of the economic cycle. This paper is divided into five parts, the introduction part mainly introduces the research background and significance of this paper And the lack of innovation; the first part introduces the current situation of private banking business development China and future development trend; the second part mainly introduces the Y branch of China Merchants Bank private banking business case, first focus on domestic and international macroeconomic environment, as well as the stock market, bond market, commodity market, the development trend of the gold market, combined with the customer's assets and the ability to bear risk, customer asset allocation is analyzed and detailed elaboration, provides reasonable configuration recommendations for customers, in order to analyze the influence of the Fed rate hike in domestic and international economy, and the assets of the dynamic configuration. The third part is mainly starting from the case, according to the analysis of the case the advantages and disadvantages. The fourth part of the case analysis, puts forward some improvement methods and suggestions of the China Merchants Bank private banking business.
【学位授予单位】:辽宁大学
【学位级别】:硕士
【学位授予年份】:2016
【分类号】:F832.2
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