【摘要】：中國經(jīng)濟(jì)的騰飛造就了一批高凈值客戶群體,私人銀行業(yè)務(wù)逐漸壯大,成為各大商業(yè)銀行的必爭之地。理財(cái)產(chǎn)品作為實(shí)現(xiàn)客戶理財(cái)目標(biāo)的手段和載體成為私人銀行服務(wù)的核心,是私人銀行成敗的決定性因素之一。我國私人銀行理財(cái)產(chǎn)品同質(zhì)化嚴(yán)重,產(chǎn)品結(jié)構(gòu)比較單一,風(fēng)險(xiǎn)梯度不全,難以滿足高凈值客戶的個(gè)性化需求。與此同時(shí),雖然外資銀行在國內(nèi)的私人銀行業(yè)務(wù)與中資銀行幾乎同時(shí)起步,但其業(yè)務(wù)經(jīng)驗(yàn)豐富、產(chǎn)品體系健全,特別是全球化的資產(chǎn)配置可以使客戶通過國際各類市場的投資分散風(fēng)險(xiǎn)、分享收益。 本文在這樣的背景下對中外資私人銀行理財(cái)產(chǎn)品作對比分析,具有一定的現(xiàn)實(shí)意義。文章第一部分首先界定了本文所討論的私人銀行和理財(cái)產(chǎn)品的范圍,即商業(yè)銀行開展的私人銀行業(yè)務(wù)中針對高凈值客戶設(shè)計(jì)銷售的理財(cái)產(chǎn)品,然后介紹了國內(nèi)外私人銀行和理財(cái)產(chǎn)品的競爭格局。接下來對作為理論支撐的供需理論和金融創(chuàng)新理論做出理論解釋和實(shí)際延伸。 文章的主體由三個(gè)部分組成：第一部分主要介紹匯豐和渣打銀行的理財(cái)產(chǎn)品體系,以案例形式重點(diǎn)分析了渣打銀行“基本型匯利”投資產(chǎn)品的運(yùn)行機(jī)制,這是一款與外匯表現(xiàn)掛鉤的主要資產(chǎn)投資于貨幣和債券市場的理財(cái)產(chǎn)品,運(yùn)行機(jī)制復(fù)雜是因?yàn)楫a(chǎn)品同時(shí)賣出一份針對掛鉤貨幣的看跌期權(quán)。通過對外資銀行理財(cái)產(chǎn)品的案例分析,本文總結(jié)出四點(diǎn)對我國私人銀行理財(cái)產(chǎn)品創(chuàng)新的啟示：明晰的市場定位、全球化的資產(chǎn)配置、以客戶為中心的條款設(shè)計(jì)、高附加值的配套服務(wù)。第二部分以招商銀行的“招銀進(jìn)寶”和“海外尋寶”系列以及工商銀行另類投資品的其中一款作為案例,分析出我國私人銀行創(chuàng)新的基金化、代客境外理財(cái)?shù)内厔?以及產(chǎn)品標(biāo)的的創(chuàng)新趨勢�？偨Y(jié)出我國私人銀行理財(cái)產(chǎn)品創(chuàng)新的三種方式,即投資標(biāo)的的創(chuàng)新、運(yùn)作模式的創(chuàng)新、投資和銷售渠道的創(chuàng)新。根據(jù)以上兩個(gè)部分的案例對比分析,第三部分得出我國產(chǎn)品創(chuàng)新面臨缺乏以人為本理念、全程風(fēng)險(xiǎn)監(jiān)控和配套的服務(wù)創(chuàng)新三個(gè)問題,并提出以整合性為創(chuàng)新的基本手段、以安全性為創(chuàng)新的基本前提、以前瞻性為創(chuàng)新的基本屬性和以客戶需求為創(chuàng)新的基本動(dòng)力的四個(gè)解決對策。
[Abstract]:The rapid development of China's economy has created a group of high net worth customers, and private banking business has gradually expanded and become a necessary place for major commercial banks. Financial products as a means and carrier to achieve the financial objectives of customers become the core of private banking services and one of the decisive factors for the success or failure of private banks. The homogeneity of financial products of private banks in China is serious, the product structure is relatively simple, the risk gradient is not complete, and it is difficult to meet the personalized needs of high net worth customers. At the same time, although the private banking business of foreign banks in China started almost at the same time as that of Chinese banks, they have rich business experience and a sound product system. In particular, global asset allocation enables customers to diversify risks and share benefits through investments in international markets. Under this background, this paper makes a comparative analysis of Chinese and foreign private bank financial products, which has certain practical significance. The first part of the article defines the scope of the private banks and financial products discussed in this paper, that is, the financial products designed and sold for high net worth customers in the private banking business carried out by commercial banks. Then introduces the domestic and foreign private banks and financial products competition pattern. Then the theory of supply and demand and the theory of financial innovation as theoretical support to make a theoretical explanation and practical extension. The main body of this paper is composed of three parts: the first part mainly introduces the financial management product system of HSBC and Standard Chartered Bank, and analyzes the operating mechanism of Standard Chartered Bank's "basic profit" investment product in the form of case. This is a wealth management product whose main asset is linked to foreign exchange performance and invests in the currency and bond markets because the mechanism is complex because the product simultaneously sells a put option against the pegged currency. Based on the case study of the financial products of foreign banks, this paper summarizes four enlightenments to the innovation of financial products of private banks in China: clear market positioning, global asset allocation, customer-centered clause design. High value added supporting services. In the second part, taking the series of China Merchants Bank (CMB) and "overseas treasure hunting" and one of ICBC's alternative investment products as examples, the author analyzes the trend of private bank innovation in China. And the innovation trend of product target. This paper summarizes three ways to innovate the financial products of private banks in our country, that is, the innovation of investment target, the innovation of operation mode, the innovation of investment and sales channel. According to the comparative analysis of the cases of the two parts above, the third part draws the conclusion that the product innovation in our country is faced with three problems: the lack of people-oriented concept, the whole process risk monitoring and the supporting service innovation, and puts forward that the integration is the basic means of innovation. Taking safety as the basic premise of innovation, forward-looking as the basic attribute of innovation and customer demand as the basic driving force of innovation, four solutions.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.3

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