本文選題：貴州銀行 + 私人銀行業(yè)務(wù)　； 參考：《西南財經(jīng)大學(xué)》2013年碩士論文

【摘要】：隨著社會財富分配的多元化和個人財富的集中化,私人銀行業(yè)務(wù)如雨后春筍層出不窮。商業(yè)銀行為個人資產(chǎn)上一定規(guī)模的中高端客戶提供的,以財富管理為中心的專業(yè)化、一攬子、高層次金融服務(wù)稱為私人銀行業(yè)務(wù)。其涵蓋銀行、證券、保險、基金、外匯、期貨、貴金屬,以及資產(chǎn)規(guī)劃、教育、稅務(wù)、投資、房地產(chǎn)、收藏、遺產(chǎn)安排、法律顧問、家庭管理等各專業(yè)領(lǐng)域。 貴州銀行于2012年10月11日正式掛牌成立,是經(jīng)中國銀監(jiān)會批準(zhǔn)在原遵義市商業(yè)銀行、六盤水市商業(yè)銀行、安順市商業(yè)銀行的基礎(chǔ)上合并重組新設(shè)的一家省級城市商業(yè)銀行。由于城市商業(yè)銀行私人銀行業(yè)務(wù)起步晚、底子薄,作為貴州銀行的一名基層支行管理者,筆者期望應(yīng)用所學(xué)的EMBA知識,尤其是企業(yè)管理與商業(yè)銀行私人銀行業(yè)務(wù)的知識,分析貴州銀行私人銀行業(yè)務(wù)發(fā)展中的主要問題和困難,探索在同業(yè)競爭中的差異化戰(zhàn)略,提出對策、建議和發(fā)展實施方案,以促進(jìn)私人銀行業(yè)務(wù)在城市商業(yè)銀行的健康發(fā)展,促進(jìn)私人銀行業(yè)務(wù)在貴州省的健康發(fā)展。 全文主要分為五個章節(jié)。 第一章商業(yè)銀行私人銀行業(yè)務(wù)概述。本章對商業(yè)銀行私人銀行業(yè)務(wù)進(jìn)行概念性闡述；對我國商業(yè)銀行高端個人理財業(yè)務(wù)和私人銀行業(yè)務(wù)發(fā)展情況進(jìn)行介紹；闡述了我國商業(yè)銀行開展私人銀行業(yè)務(wù)意義；給出我國商業(yè)銀行私人銀行業(yè)務(wù)的發(fā)展概述。 第二章貴州銀行私人銀行業(yè)務(wù)現(xiàn)狀及問題。本章先呈現(xiàn)出了貴州銀行成立背景和貴州銀行私人銀行的高端個人理財業(yè)務(wù)的發(fā)展現(xiàn)狀；然后指出了貴州銀行私人銀行業(yè)務(wù)發(fā)展中存在的主要問題。 第三章貴州銀行私人銀行業(yè)務(wù)環(huán)境分析。本章首先對貴州銀行私人銀行業(yè)務(wù)發(fā)展的環(huán)境和金融特征進(jìn)行分析,然后對在貴州省內(nèi)主要商業(yè)銀行的私人銀行業(yè)務(wù)的競爭情況進(jìn)行分析；最后運用SWOT分析方法,從外部和內(nèi)部環(huán)境兩方面來分析貴州銀行在貴州省內(nèi)私人銀行業(yè)務(wù)發(fā)展中的外部機遇、外部威脅、內(nèi)部優(yōu)勢和內(nèi)部劣勢。 第四章貴州銀行私人銀行業(yè)務(wù)市場戰(zhàn)略。本章首先給出了貴州銀行私人銀行業(yè)務(wù)的發(fā)展目標(biāo)。然后提出了貴州銀行私人銀行業(yè)務(wù)的發(fā)展應(yīng)選擇差異化的競爭戰(zhàn)略。 第五章貴州銀行私人銀行業(yè)務(wù)發(fā)展對策建議。本章從目標(biāo)市場、品牌樹立、人才培育、產(chǎn)品創(chuàng)新、優(yōu)化服務(wù)和風(fēng)險管理等方面給出了筆者對貴州銀行在私人銀行業(yè)務(wù)發(fā)展方面的發(fā)展對策建議。 貴州銀行發(fā)展私人銀行業(yè)務(wù)既是市場競爭和客戶服務(wù)的外在必然要求,更是提升品牌和競爭力的內(nèi)在必然需要；貴州銀行私人銀行業(yè)務(wù)雖然起步晚、底子薄、基礎(chǔ)差,但有大量潛在客戶群；貴州銀行作為城市商業(yè)銀行具有機制靈活、決策鏈短、觸角敏銳、創(chuàng)新力強等優(yōu)勢,在私人銀行領(lǐng)域大有可為。筆者期望,通過本文分析當(dāng)前貴州銀行私人銀行業(yè)務(wù)開展中的主要問題,提出發(fā)展對策和建議,能為研究貴州銀行私人銀行業(yè)務(wù)的發(fā)展提供參考,以促進(jìn)貴州銀行私人銀行業(yè)務(wù)以及各項業(yè)務(wù)的健康發(fā)展。另外,筆者也期望通過本文能對同行業(yè)有一定的參考價值。 當(dāng)然,由于筆者知識有限,文中難免出現(xiàn)錯誤和疏漏,懇請尊敬的各位老師批評指正。在此敬表衷心的感謝!
[Abstract]:With the diversification of social wealth distribution and the concentration of personal wealth, private banking business has sprung up. Commercial banks provide a certain scale of high and middle customers on a certain scale of personal assets, with a wealth management centered specialization, a package, and a high-level financial service called private banking. It covers banks, securities, and insurance. Insurance, funds, foreign exchange, futures, precious metals, and asset planning, education, taxation, investment, real estate, collections, heritage arrangements, legal advisors, family management and other professional fields.
The Bank of Guizhou was formally established in October 11, 2012. It is a new provincial city commercial bank based on the approval of the China Banking Regulatory Commission (CBRC) on the basis of the original Zunyi commercial bank, Liupanshui commercial bank and Anshun commercial bank. Since the private banking business of the city commercial bank is late and has a thin foundation as the Bank of Guizhou. A grass-roots branch manager, I expect to apply the knowledge of EMBA, especially the knowledge of enterprise management and commercial banks' private banking business, analyze the main problems and difficulties in the development of the private banking business of Guizhou bank, explore the differentiation strategy in the competition of the same industry, put forward the countermeasures, suggestions and the development of the implementation plan, in order to promote the private sector. The healthy development of banking business in city commercial banks will promote the healthy development of private banking in Guizhou.
The full text is divided into five chapters.
The first chapter is an overview of the private banking business of commercial banks. This chapter gives a conceptual exposition of the private banking business of commercial banks, introduces the development of high end personal financing and private banking business of commercial banks in China, expounds the significance of private banking in our commercial banks, and gives the private banks of commercial banks in China. A summary of the development of business.
The second chapter is the current situation and problems of the private banking business of the Bank of Guizhou. This chapter first presents the background of the establishment of the Bank of Guizhou and the status of the high-end personal financing business of the private bank of the Bank of Guizhou, and then points out the main problems in the development of the private banking business of the Bank of Guizhou.
The third chapter is the analysis of the private bank business environment of the Bank of Guizhou. This chapter first analyzes the environment and financial characteristics of the development of the private banking business of Guizhou bank, and then analyzes the competition situation of the private banking business of the main commercial banks in Guizhou province. Finally, it uses the SWOT analysis method, from the external and internal environment two aspects. The external opportunities, external threats, internal strengths and internal weaknesses of the Bank of Guizhou in the development of private banking business in Guizhou are analyzed.
The fourth chapter is the private banking market strategy of the Bank of Guizhou. This chapter first gives the development goals of the private banking business of the Bank of Guizhou, and then puts forward that the development of the private banking business of the Bank of Guizhou should choose the differentiated competitive strategy.
The fifth chapter of the Guizhou bank private bank business development countermeasures and suggestions. This chapter from the target market, brand building, talent cultivation, product innovation, optimal service and risk management and other aspects of the author to the development of the Bank of Guizhou in the development of private banking business development countermeasures.
The development of the private banking business of the Bank of Guizhou is not only the external necessity of the market competition and customer service, but also the inherent necessity of promoting the brand and competitiveness. Although the private banking business of the Bank of Guizhou is late, the foundation is thin and the foundation is poor, there are a large number of potential customers, and the Bank of Guizhou has a flexible mechanism as a city commercial bank. It has the advantages of short policy chain, sharp antennae, strong innovation and so on. The author expects that through the analysis of the main problems in the current private banking business of Guizhou bank, the development countermeasures and suggestions are put forward to provide reference for the study of the development of private banking in the Bank of Guizhou and to promote the private banking in the Bank of Guizhou. As well as the healthy development of various businesses, the author also hopes that this article will have some reference value for the same industry.
Of course, due to the limited knowledge of the author, errors and omissions are unavoidable in the text. I would like to ask your esteemed teachers to criticize and correct them.
【學(xué)位授予單位】：西南財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2

【共引文獻(xiàn)】

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本文編號：1950409