【摘要】：改革開放30多年以來,中國經(jīng)濟經(jīng)歷滄桑巨變。在令人眼花繚亂的30多年中,資本市場從無到有,從小到大,可謂是改革開放最重要的成果之一。中國快速增長的財富市場和一大批高凈值客戶的誕生,吸引了世界銀行家的眼光。2005年9月,全球著名的私人銀行之一瑞士友邦銀行(UBS)首獲銀監(jiān)會批準,在中國境內(nèi)設立了私人銀行代表處,拉開了我國境內(nèi)私人銀行業(yè)務發(fā)展的序幕。 在資本市場化、利率市場化改革的深入下,存貸利差作為傳統(tǒng)商業(yè)銀行業(yè)務的主要收入來源,正在逐步縮小。為了戰(zhàn)略轉型,尋找新的利潤增長點,四大國有銀行及大型股份制銀行紛紛將目光投向快速增長的高凈值客戶群體,陸陸續(xù)續(xù)的開展私人銀行業(yè)務以占領高端客戶市場,獲取大于傳統(tǒng)銀行中間業(yè)務收入的手續(xù)費及管理費。城市商業(yè)銀行由城市信用社組建、改制而成,作為中國銀行業(yè)內(nèi)的一個特殊群體,面對來自市場開放及競爭對手的壓力,傳統(tǒng)的經(jīng)營優(yōu)勢正在逐漸喪失。在城市商業(yè)銀行尋求新的發(fā)展方向,戰(zhàn)略轉型之際,找準市場定位,打造自身經(jīng)營特色的私人銀行將會是一條不錯的出路。 本文首先論述了研究的背景及意義,在對私人銀行的定義、起源、私人銀行所提供的服務與傳統(tǒng)銀行個人業(yè)務服務的區(qū)別作了簡述的基礎上,探討了我國目前私人銀行業(yè)務發(fā)展的現(xiàn)狀與存在的問題。然后,介紹了我國城市商業(yè)銀行的發(fā)展現(xiàn)狀,分析了其面臨的來自于市場和競爭對手的壓力,由此探討了城市商業(yè)銀行開展私人銀行業(yè)務的動力與阻力。最后,對城市商業(yè)銀行開展私人銀行業(yè)務作了SWOT分析,介紹了三家具有借鑒性的私人銀行的發(fā)展特色,提出了對城市商業(yè)銀行開展私人銀行業(yè)務戰(zhàn)略發(fā)展的建議。
[Abstract]:Since the reform and opening up for more than 30 years, China's economy has experienced tremendous changes. In the dazzling more than 30 years, the capital market from scratch, from small to large, can be said to be one of the most important achievements of reform and opening up. China's fast-growing wealth market and the birth of a large number of high-net-worth clients have attracted the attention of bankers around the world. In September 2005, (UBS), one of the world's leading private banks, was approved by the CBRC for the first time. The establishment of private bank representative office in China has opened the prelude to the development of private banking business in China. With the deepening of the reform of capital marketization and interest rate marketization, deposit and loan spreads, as the main source of income for traditional commercial banks, are gradually shrinking. In order to make strategic changes and find new profit growth points, the four major state-owned banks and large joint-stock banks have turned their attention to the rapidly growing group of high net worth customers, and continued to carry out private banking business to occupy the high-end customer market. Obtain fees and management fees greater than traditional bank intermediary income. As a special group in China's banking industry, urban commercial banks are formed by urban credit cooperatives. In the face of the pressure from market opening and competitors, the traditional management advantages are gradually losing. At the time of the city commercial bank seeking new development direction and strategic transformation, it will be a good way to find the right market position and create the private bank with its own management characteristics. This paper first discusses the background and significance of the study, on the basis of the definition and origin of private banks, the differences between the services provided by private banks and those provided by traditional banks. This paper discusses the present situation and existing problems of private banking business in China. Then, this paper introduces the current situation of the development of city commercial banks in China, analyzes the pressure from the market and competitors, and probes into the power and resistance of the city commercial banks to carry out private banking business. Finally, this paper makes SWOT analysis on the private banking business of the city commercial banks, introduces the development characteristics of the three private banks with reference, and puts forward some suggestions for the development of the private banking business strategy of the city commercial banks.
【學位授予單位】：西南財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.33;F832.2

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