【摘要】：隨著中國(guó)經(jīng)濟(jì)的持續(xù)高速增長(zhǎng),中國(guó)居民的財(cái)富顯著增加,并逐漸形成了以擁有大量可投資性資產(chǎn)為特征的高凈值客戶群體(從銀行角度,也稱為個(gè)人高端客戶)。由外資銀行率先在中國(guó)境內(nèi)開(kāi)始,圍繞高凈值客戶群體開(kāi)展的個(gè)人財(cái)富管理業(yè)務(wù),目前已經(jīng)成為商業(yè)銀行和非銀行類金融機(jī)構(gòu)競(jìng)相開(kāi)展的戰(zhàn)略性業(yè)務(wù),而商業(yè)銀行在個(gè)人財(cái)富管理市場(chǎng)中占據(jù)了絕對(duì)主導(dǎo)地位。 本文闡述了國(guó)內(nèi)外關(guān)于個(gè)人財(cái)富管理的相關(guān)理論和發(fā)展模式,研究了中國(guó)目前階段個(gè)人高端客戶的特征及財(cái)富管理需求,分析了淄博地區(qū)主要商業(yè)銀行個(gè)人財(cái)富管理的現(xiàn)狀,以及各自的優(yōu)勢(shì)和不足,并利用層次分析法對(duì)四大商業(yè)銀行個(gè)人財(cái)富管理競(jìng)爭(zhēng)力進(jìn)行分析。 在此基礎(chǔ)之上,文章以實(shí)現(xiàn)淄博建行高凈值客戶人數(shù)、管理客戶資產(chǎn)規(guī)模持續(xù)增長(zhǎng),達(dá)到淄博地區(qū)個(gè)人財(cái)富管理市場(chǎng)份額第一為目標(biāo),針對(duì)淄博地區(qū)主要商業(yè)銀行個(gè)人財(cái)富管理業(yè)務(wù)比較中淄博建行存在的不足,重點(diǎn)從組織架構(gòu)、服務(wù)模式、產(chǎn)品管理、隊(duì)伍建設(shè)、績(jī)效考核、渠道管理和IT系統(tǒng)支持等七個(gè)方面,提出了改善和優(yōu)化淄博建行個(gè)人財(cái)富管理業(yè)務(wù)的對(duì)策和建議。
[Abstract]:With the sustained rapid economic growth in China, the wealth of Chinese residents has increased significantly, and has gradually formed a group of high net worth customers (also known as individual high-end customers from the perspective of banks), which is characterized by a large number of investable assets. The personal wealth management business carried out around the group of high net worth clients by foreign banks has become a strategic business in competition between commercial banks and non-bank financial institutions. Commercial banks in the personal wealth management market occupied an absolute dominant position. This paper expounds the relevant theories and development models of personal wealth management at home and abroad, studies the characteristics and requirements of individual high-end customers at present stage in China, and analyzes the present situation of personal wealth management of major commercial banks in Zibo area. And their respective advantages and disadvantages, and the use of analytic hierarchy process to analyze the four major commercial banks personal wealth management competitiveness. On this basis, the paper aims at realizing the number of high net worth customers of Zibo Construction Bank, managing the scale of assets of customers and achieving the first market share of personal wealth management in Zibo region. In view of the shortcomings of Zibo Construction Bank in the comparison of personal wealth management business of major commercial banks in Zibo region, the focus is on seven aspects, such as organizational structure, service model, product management, team building, performance appraisal, channel management and IT system support, etc. The countermeasures and suggestions for improving and optimizing Zibo Construction Bank's personal wealth management business are put forward.
【學(xué)位授予單位】：山東理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

【參考文獻(xiàn)】

相關(guān)期刊論文 前7條

1 陳繼紅,鄭振歐;香港銀行業(yè)個(gè)人理財(cái)服務(wù)發(fā)展的背景及內(nèi)容比較[J];金融論壇;2003年11期

2 咼玉紅,黃湘雄;發(fā)展我國(guó)私人銀行業(yè)務(wù)的思考[J];廣州市財(cái)貿(mào)管理干部學(xué)院學(xué)報(bào);2004年04期

3 李剛;;國(guó)際領(lǐng)先銀行財(cái)富管理的經(jīng)營(yíng)實(shí)踐[J];金融管理與研究;2007年04期

4 康承東;;我國(guó)發(fā)展私人銀行業(yè)務(wù)面臨的主要問(wèn)題及其對(duì)策[J];金融理論與實(shí)踐;2008年03期

5 田彬;;農(nóng)業(yè)銀行發(fā)展財(cái)富管理業(yè)務(wù)探析[J];現(xiàn)代金融;2010年05期

6 郭奕;;我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展思路[J];商場(chǎng)現(xiàn)代化;2010年04期

7 陸繼蛟;關(guān)于湖南省分行營(yíng)業(yè)部發(fā)展個(gè)人理財(cái)業(yè)務(wù)的調(diào)查與思考[J];中國(guó)城市金融;2001年09期

相關(guān)碩士學(xué)位論文 前5條

1 劉利;銀行財(cái)富管理業(yè)務(wù)及其模式研究[D];外交學(xué)院;2011年

2 林靜;建設(shè)銀行濟(jì)南地區(qū)個(gè)人財(cái)富管理業(yè)務(wù)模式研究[D];山東大學(xué);2011年

3 康志榕;興業(yè)銀行財(cái)富管理業(yè)務(wù)研究[D];湖南大學(xué);2009年

4 楊慧;論我國(guó)商業(yè)銀行私人銀行業(yè)務(wù)的發(fā)展對(duì)策[D];首都經(jīng)濟(jì)貿(mào)易大學(xué);2010年

5 杜欣欣;我國(guó)商業(yè)銀行財(cái)富管理研究[D];山西財(cái)經(jīng)大學(xué);2010年

，

本文編號(hào)：2335612