招商银行烟台分行私人银行业务发展策略研究

发布时间：2018-06-18 06:27

本文选题：私人银行 + 发展策略　；参考：《吉林大学》2017年硕士论文

【摘要】：私人银行业务历史悠久,在欧美国家盛行多年,但直到本世纪初期才随着我国经济增长在我国境内发展起来。私人银行业务是以高端客户为基础,通过高品质、专业化的服务为高净值客户提供的一揽子资产管理规划,依据客户需求提供个性化服务,包括资产管理、投资规划等,也可以通过设立离岸公司、家族信托基金等方式为客户节约交易成本,通常结合了投融资、投资顾问、财产传承等多项金融服务。2016年中国经济增长速度放缓,供给侧结构化改革不断深入,L型探底还将持续,2017年经济增速预计会在6.5%左右。伴随着经济的增长,我国居民的个人财富和财富集中程度越来越高,中产及以上富人阶层逐步形成并发展壮大,形成了私人银行广泛的客群基础。随着利率市场化的深入推进,同业竞争不断加剧,发展以私人银行业务为核心的中间业务对商业银行转型有着重要的战略意义,私人银行业务正成为零售银行收入的重要来源。本论文首先对研究背景、选题目的和意义进行介绍,对国内外私人银行研究现状进行综述,介绍相关概念和理论基础,然后探讨招商银行烟台分行私人银行业务的现状,对开展私人银行业务的优势、劣势、机遇以及挑战进行全面分析,接下来运用SWOT理论和五力模型,对招商银行烟台分行私人银行所处的内外部环境和发展现状进行深入的理论探讨、数据分析及实证分析,并据此对招商银行烟台分行私人银行业务提供组织模式、产品开发、客户关系管理、品牌推广和人才培养等方面的策略建议和实施方案,以及在组织、制度、科技方面具体的保障措施,以期对招商银行烟台分行银行私人银行业务的发展有所帮助。
[Abstract]:Private banking has a long history and has been popular in Europe and America for many years, but it did not develop in China until the beginning of this century with the economic growth of our country. Private banking is a package of asset management programs for high net worth clients based on high quality and specialized services, providing personalized services based on customer needs, including asset management, investment planning, etc. You can also save transaction costs for clients by setting up offshore companies and family trust funds, often combining investment and financing, investment advisers, property inheritance and other financial services. China's economic growth slowed in 2016. The deepening of supply-side structural reforms is expected to continue, with economic growth expected to be around 6.5 percent in 2017. With the economic growth, the personal wealth and wealth concentration of Chinese residents is increasing, and the middle class and above have gradually formed and developed, forming a broad customer base of private banks. With the further promotion of interest rate marketization, the interbank competition is becoming more and more serious. The development of intermediate business with private banking as the core has important strategic significance for the transformation of commercial banks. Private banking is becoming an important source of retail bank income. This paper first introduces the research background, the purpose and significance of the topic, summarizes the current research situation of private banks at home and abroad, introduces the relevant concepts and theoretical basis, and then discusses the current situation of private banking business in Yantai Branch of China Merchants Bank. The advantages, disadvantages, opportunities and challenges of the private banking business are comprehensively analyzed. Then the SWOT theory and the five-force model are used. The internal and external environment and current development situation of private bank in Yantai Branch of China Merchants Bank are discussed in theory, data analysis and empirical analysis, and the organizational model and product development of private bank business in Yantai Branch of China Merchants Bank are provided accordingly. Customer relationship management, brand promotion, talent training and other aspects of strategic recommendations and implementation plans, as well as in the organizational, institutional, scientific and technological aspects of specific safeguards, With a view to China Merchants Bank Yantai Branch Bank private banking business development.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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