本文關(guān)鍵詞： 商業(yè)銀行 國外私人銀行 我國私人銀行 盈利能力 效率　出處：《東北財經(jīng)大學》2013年碩士論文　論文類型：學位論文

【摘要】：私人銀行業(yè)務(wù)是面向社會富裕人士提供的以財富管理為核心的專業(yè)化一攬子高層次金融服務(wù),正越來越顯示出巨大的增長潛力。私人銀行在國際上發(fā)展已有二百多年的時間,已經(jīng)形成了一套比較完備的組織、盈利和運行模式,通過為客戶進行財富管理,為客戶保持財富盈利性的同時,為私人銀行創(chuàng)造了高利潤。隨著我國經(jīng)濟發(fā)展,企業(yè)家、創(chuàng)業(yè)者、經(jīng)商家族的財富不斷積累,高凈值人士數(shù)目也在逐漸攀升。同時這一群體對個人理財、資產(chǎn)管理等金融服務(wù)的要求日漸趨于多樣化和個性化。我國商業(yè)銀行看準財富管理業(yè)的高利潤率和低資本占用的優(yōu)勢,于2007年開始探索私人銀行業(yè)務(wù),國有銀行、股份制銀行和城市商業(yè)銀行都紛紛推出了私人銀行業(yè)務(wù),私人銀行領(lǐng)域的競爭正日益加劇。雖然已經(jīng)歷了六年的苦心經(jīng)營,但是在組織模式、盈利模式等方面還存在著很多爭議；產(chǎn)品創(chuàng)新性不強,專業(yè)人才匱乏；分業(yè)經(jīng)營限制了業(yè)務(wù)發(fā)展、外匯管制仍然比較嚴格、信用評估體系不完善等制約了私人銀行的發(fā)展。所以在此時機,總結(jié)國外私人銀行的成功模式和經(jīng)驗對于我國私人銀行的發(fā)展方向具有重要意義。 第一章為緒論,介紹了本文選題背景、國內(nèi)外文獻綜述。 第二章介紹了私人銀行的起源以及私人銀行業(yè)的行業(yè)特征。根據(jù)管理資產(chǎn)規(guī)模對國外私人銀行進行了2012年的排名和市場份額的分析,效率方面的表現(xiàn),并對關(guān)鍵指標進行了相關(guān)性分析。介紹了我國私人銀行的發(fā)展狀況,總結(jié)了我國私人銀行近幾年在客戶數(shù)量、管理資產(chǎn)規(guī)模方面的進展成就。 第三章從分業(yè)、混業(yè)經(jīng)營的金融制度、法律、外匯管和稅收制度四個方面分析了中外私人銀行經(jīng)營環(huán)境的不同點。 第四章首先介紹了總結(jié)了國外私人銀行的組織結(jié)構(gòu),包括獨立的私人銀行、投資銀行和綜合性金融集團設(shè)立的私人銀行以及家庭辦公室。然后概括總結(jié)了我國商業(yè)銀行開展私人銀行業(yè)務(wù)所采用的組織模式,包括事業(yè)部和大零售制。在此基礎(chǔ)上比較了中外私人銀行在組織形式上的異同點并分析差異存在的原因。 第五章比較分析了中外私人銀行服務(wù)內(nèi)容。以瑞銀財富管理為例介紹了國外私人銀行的服務(wù)內(nèi)容；以建設(shè)銀行為例介紹了我國私人銀行的服務(wù)內(nèi)容。最后指出我國私人銀行在服務(wù)內(nèi)容上與國外私人銀行的差距。 第六章比較分析了中外私人銀行行的盈利模式。國外私人銀行主要采用手續(xù)費和資產(chǎn)管理費的方式,分別列出了不同模式的優(yōu)勢和劣勢。我國私人銀行的盈利模式主要是收取銷售手續(xù)費。并分析了這種差異的原因主要是由服務(wù)內(nèi)容和我國私人銀行服務(wù)定價能力不強。 第七章從從產(chǎn)品服務(wù)創(chuàng)新、如何進行業(yè)務(wù)模式轉(zhuǎn)變、組織模式的轉(zhuǎn)變、加強海外資產(chǎn)配置等五個個方面對我國私人銀行進一步前進提出了建議。
[Abstract]:Private banking is a professional package of financial services at the core of wealth management for the wealthy. Private banks, which have been developing internationally for more than 200 years, have developed a relatively complete set of organizations, profitability and operating models through wealth management for their clients. At the same time, it creates high profits for private banks. With the development of our economy, the wealth of entrepreneurs, entrepreneurs, and business families is constantly accumulated. The number of people with high net worth is also rising. The requirements of financial services such as asset management are becoming more and more diversified and individualized. In 2007, our commercial banks began to explore the private banking business in view of the advantages of high profit margin and low capital occupation in the wealth management industry. State-owned banks, joint-stock banks and urban commercial banks have launched private banking business, and the competition in the field of private banking is increasing. Although it has been through six years of hard work, it is in the organizational model. There is still a lot of controversy about the profit model. Product innovation is not strong, lack of professional personnel; Separation of operations restricts the development of business, foreign exchange control is still relatively strict, credit evaluation system is not perfect and other constraints on the development of private banks, so at this time. Summing up the successful models and experiences of foreign private banks is of great significance to the development direction of China's private banks. The first chapter is the introduction, which introduces the background of this paper and the literature review at home and abroad. The second chapter introduces the origin of private banks and the industry characteristics of private banks. According to the size of assets under management, the paper analyzes the ranking and market share of foreign private banks in 2012 and the performance of efficiency. The paper also analyzes the correlation of the key indicators, introduces the development of private banks in China, and summarizes the achievements in the number of customers and the scale of assets managed by private banks in China in recent years. The third chapter analyzes the differences between Chinese and foreign private banks from four aspects: financial system, law, foreign exchange control and tax system. Chapter 4th first introduces and summarizes the organizational structure of foreign private banks, including independent private banks. The private bank and family office set up by the investment bank and the comprehensive financial group. Then it summarizes the organizational model used by the commercial banks in China to carry out the private banking business. On the basis of this, this paper compares the similarities and differences between Chinese and foreign private banks in organizational form and analyzes the reasons for the differences. Chapter 5th compares and analyzes the contents of private banking services at home and abroad, taking UBS wealth management as an example, introduces the service content of foreign private banks; Taking China Construction Bank as an example, this paper introduces the service contents of China's private banks, and finally points out the gap between China's private banks and foreign private banks in terms of service content. Chapter 6th compares and analyzes the profit pattern of private banks in China and foreign countries. Foreign private banks mainly adopt the ways of handling fees and asset management fees. The advantages and disadvantages of different models are listed respectively. The profit model of private banks in China is mainly to charge sales fees. The reasons for this difference are mainly caused by the content of service and the pricing ability of private banking services in China. Not strong. From five aspects of product service innovation, how to change the business model, the transformation of the organizational model and the strengthening of overseas asset allocation, the 7th chapter puts forward some suggestions for the further progress of the private banks in China.
【學位授予單位】：東北財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.2

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