本文選題：私人銀行 + 國際主流模式　； 參考：《蘇州大學》2013年碩士論文

【摘要】：私人銀行是各類金融機構(gòu)向高凈值客戶提供涉及金融及非金融領(lǐng)域的個性化、私密性強的綜合性服務(wù)體，其業(yè)務(wù)邊界貫穿財富管理、投資銀行、信托等多個行業(yè)領(lǐng)域。 私人銀行業(yè)務(wù)起源于17世紀的瑞士，原本服務(wù)于歐洲皇室貴族的私人銀行，從18世紀產(chǎn)業(yè)革命后，相繼在歐洲、美國得到蓬勃發(fā)展，，到了21世紀，隨著亞洲經(jīng)濟的快速發(fā)展，私人銀行在新加坡、香港等地迅速發(fā)展起來。近年來，隨著中國經(jīng)濟飛速發(fā)展，居民財富呈現(xiàn)爆炸性增長，一個穩(wěn)定并持續(xù)增長的高收入富裕人群正在形成壯大。如今私人銀行業(yè)務(wù)已逐漸成為中國商業(yè)銀行轉(zhuǎn)型發(fā)展、業(yè)務(wù)創(chuàng)新的重要著力點，盡管中國商業(yè)銀行躲避掉了全球金融海嘯的狂風巨浪，但來自利率市場化、金融脫媒的潛在威脅，原先依賴于高額存貸利差、粗放經(jīng)營的商業(yè)模式已無法長期維計。在金融全球化、綜合化發(fā)展背景下，隨著資本市場的迅速發(fā)展和金融創(chuàng)新進程的加快，私人銀行業(yè)將成為國內(nèi)各家商業(yè)銀行最具發(fā)展?jié)摿Φ暮诵闹鲃恿χ弧?2012年是中資銀行開啟私人銀行業(yè)務(wù)的第五年，國內(nèi)財富管理行業(yè)和資產(chǎn)管理行業(yè)的新格局逐漸成形。以北京銀行為例，2011年末該行在城市商業(yè)銀行中首家推出私人銀行服務(wù)，成為第12家開展私人銀行業(yè)務(wù)的中資銀行。隨著中國金融市場的不斷開放和發(fā)展，私人銀行業(yè)務(wù)正以其高附加值的特點成為中外資銀行競相爭奪的重要業(yè)務(wù)領(lǐng)域。本文通過對私人銀行的基本內(nèi)容、發(fā)展模式，中資私人銀行與外資私人銀行在中國市場的優(yōu)勢和劣勢比較分析，全面闡述了中資私人銀行所存在的問題和可能的發(fā)展方向。
[Abstract]:Private bank is a kind of comprehensive service that financial institutions provide to high net worth customers in financial and non-financial fields. The business boundary of private bank runs through wealth management, investment banking, trust and other industries. Private banking originated in Switzerland in the 17th century, originally serving the European royal family and nobility. After the industrial revolution of the 18th century, it flourished in Europe and the United States, and in the 21st century, with the rapid development of the Asian economy, Private banks are growing rapidly in Singapore, Hong Kong and other places. In recent years, with the rapid development of China's economy, residents' wealth has exploded, and a stable and growing high income rich population is growing. Today, private banking has gradually become an important focus for the transformation and development of Chinese commercial banks and business innovation. Although Chinese commercial banks have shunned the storm of the global financial tsunami, they have come from the marketization of interest rates. The potential threat of financial disintermediation, originally dependent on high deposit and loan spreads, the extensive business model can no longer long-term maintenance. Under the background of financial globalization and comprehensive development, with the rapid development of capital market and the acceleration of financial innovation, private banking will become one of the core driving forces of the most potential development of commercial banks in China. 2012 is the fifth year for Chinese banks to start their private banking business, and a new pattern of domestic wealth management and asset management is taking shape. At the end of 2011, Bank of Beijing, for example, launched its first private banking service in a city commercial bank, making it the 12th Chinese bank to conduct a private banking business. With the continuous opening and development of China's financial market, private banking is becoming an important business field competing for by Chinese and foreign banks because of its high added value. Based on the comparative analysis of the basic contents, the development model, the advantages and disadvantages of Chinese private banks and foreign private banks in China, this paper expounds the existing problems and possible development direction of Chinese private banks.
【學位授予單位】：蘇州大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F831.2

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