國內(nèi)私人銀行資產(chǎn)管理業(yè)務(wù)研究
發(fā)布時間：2018-12-10 23:17
【摘要】：在國內(nèi)改革開放三十多年來經(jīng)濟(jì)飛速發(fā)展的過程中,催生了大量本土富裕群體,這部分人的高價值資產(chǎn)管理需求越來越強(qiáng)烈,私人銀行業(yè)務(wù)逐漸走進(jìn)國人視野。私人銀行起源于西方,發(fā)展至今已有幾百年的歷史,已經(jīng)成為和商業(yè)銀行信貸業(yè)務(wù)、投資銀行業(yè)務(wù)并駕齊驅(qū)的服務(wù)體系之一。隨著中國逐漸成為私人銀行最具潛力的市場,國內(nèi)外私人銀行紛紛建立機(jī)構(gòu)、搶占市場,競爭日趨激烈,而各家機(jī)構(gòu)為高凈值客戶財富保值增值的資產(chǎn)管理業(yè)務(wù)成為競爭的焦點(diǎn)。同時,伴隨著國內(nèi)金融改革的深化、利率市場化進(jìn)程的推進(jìn),銀行只有通過逐漸脫離對傳統(tǒng)業(yè)務(wù)的絕對依賴才能保持其優(yōu)異的市場業(yè)績。 私人銀行資產(chǎn)管理業(yè)務(wù)的發(fā)展順應(yīng)了高凈值客戶的強(qiáng)烈需求和銀行自身尋找新的盈利點(diǎn)的內(nèi)在要求,近年來發(fā)展迅速,但在發(fā)展過程中也呈現(xiàn)出了一系列的問題,特別是在風(fēng)險控制和監(jiān)管上還有待完善,本文就從這個角度提出問題并提出發(fā)展建議。 本文從五個部分介紹私人銀行業(yè)務(wù)：第一部分是研究的意義、方法和創(chuàng)新點(diǎn)；第二部分是私人銀行業(yè)務(wù)的綜述,主要是通過借鑒文獻(xiàn)中對于私人銀行業(yè)務(wù)的研究,闡述其定義及特征,通過對私人銀行業(yè)務(wù)的發(fā)展歷史和目前的發(fā)展?fàn)顩r,提出發(fā)展私人銀行資產(chǎn)管理業(yè)務(wù)的必要性和緊迫性；第三部分介紹私人銀行資產(chǎn)管理業(yè)務(wù)的理論基礎(chǔ)和運(yùn)作機(jī)制,理論基礎(chǔ)又分為基于客戶需求和投資目標(biāo)的生命周期理論以及基于客戶資產(chǎn)配置的投資組合理論。并從產(chǎn)品體系和資產(chǎn)管理流程兩方面考察私人銀行資產(chǎn)管理業(yè)務(wù)的運(yùn)作機(jī)制；第四部分是通過對私人銀行資產(chǎn)管理的產(chǎn)品體系和資產(chǎn)管理流程中風(fēng)險點(diǎn)分析,提出當(dāng)前業(yè)務(wù)最主要的風(fēng)險點(diǎn)。從產(chǎn)品體系出發(fā),私人銀行的風(fēng)險主要集中于操作風(fēng)險和聲譽(yù)風(fēng)險,而操作風(fēng)險更多的體現(xiàn)為代理風(fēng)險,從資產(chǎn)管理流程出發(fā),私人銀行的風(fēng)險主要集中于資產(chǎn)配置階段和產(chǎn)品銷售階段,而私人銀行資產(chǎn)管理業(yè)務(wù)主要在產(chǎn)品的使用階段,故產(chǎn)品銷售階段的風(fēng)險尤顯突出；第五部分是對私人銀行資產(chǎn)管理在產(chǎn)品、風(fēng)險、監(jiān)管等角度提出發(fā)展措施。私人銀行作為正在崛起的中間業(yè)務(wù)之一,對帶動銀行的利潤提升具有重要意義,因此產(chǎn)品的創(chuàng)新和功能優(yōu)化作為資產(chǎn)管理業(yè)務(wù)發(fā)展的內(nèi)生動力,對于私人銀行的壯大至關(guān)重要。當(dāng)今經(jīng)濟(jì)波詭云譎,國內(nèi)外經(jīng)濟(jì)形勢持續(xù)低迷,為了保障私人銀行業(yè)務(wù)的健康持續(xù)發(fā)展,完善的風(fēng)險控制和內(nèi)外部監(jiān)管機(jī)制尤為重要。
[Abstract]:In the process of rapid economic development in the past 30 years of reform and opening up in China, a large number of local rich groups have been born. The demand for high-value assets management of these people is becoming stronger and stronger, and the private banking business has gradually entered the field of vision of the people. The private bank originated from the west and has been developed for hundreds of years. It has become one of the service systems which keeps pace with the commercial bank's credit business and the investment banking business. As China gradually becomes the most promising market for private banks, private banks at home and abroad have set up institutions to seize the market, and the competition is becoming increasingly fierce. And institutions for high net worth customer wealth preservation and appreciation of asset management business has become the focus of competition. At the same time, with the deepening of domestic financial reform and the promotion of interest rate marketization, banks can maintain their outstanding market performance only by gradually breaking away from the absolute dependence on traditional business. The development of private bank asset management business conforms to the strong demand of high net worth customers and the inherent demand of banks to find new profit points. In recent years, the development of private bank asset management business has developed rapidly, but in the process of development, there have also been a series of problems. Especially in the aspect of risk control and supervision, this paper puts forward some problems and development suggestions from this point of view. This paper introduces the private banking business from five parts: the first part is the significance of the study, methods and innovations; The second part is the summary of private banking business, mainly through the reference to the research of private banking business in the literature, the definition and characteristics of private banking business, the development of private banking business history and current development. The necessity and urgency of developing private bank asset management business are put forward. The third part introduces the theoretical basis and operational mechanism of private bank asset management business. The theoretical basis is divided into life cycle theory based on customer demand and investment goal and portfolio theory based on customer asset allocation. And from the two aspects of product system and asset management process to investigate the private bank asset management business operation mechanism; The fourth part is to put forward the most important risk point of the current business by analyzing the product system and the risk point in the asset management process of private bank. From the point of view of product system, the risks of private banks mainly focus on operational risks and reputation risks, while operational risks are more manifested as agency risks, starting from the process of asset management. The risk of private bank is mainly concentrated in the asset allocation stage and product sale stage, while the private bank asset management business is mainly in the use stage of product, so the risk of product sale stage is especially prominent. The fifth part is the development measures of private bank asset management in the aspects of product, risk, supervision and so on. As one of the emerging intermediate businesses, private banks are of great significance to promote the profits of banks. Therefore, product innovation and function optimization, as the endogenous driving force for the development of asset management business, is of great importance to the growth of private banks. In order to ensure the healthy and sustainable development of private banking business, perfect risk control and internal and external supervision mechanism are particularly important.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2
本文編號：2371392
[Abstract]:In the process of rapid economic development in the past 30 years of reform and opening up in China, a large number of local rich groups have been born. The demand for high-value assets management of these people is becoming stronger and stronger, and the private banking business has gradually entered the field of vision of the people. The private bank originated from the west and has been developed for hundreds of years. It has become one of the service systems which keeps pace with the commercial bank's credit business and the investment banking business. As China gradually becomes the most promising market for private banks, private banks at home and abroad have set up institutions to seize the market, and the competition is becoming increasingly fierce. And institutions for high net worth customer wealth preservation and appreciation of asset management business has become the focus of competition. At the same time, with the deepening of domestic financial reform and the promotion of interest rate marketization, banks can maintain their outstanding market performance only by gradually breaking away from the absolute dependence on traditional business. The development of private bank asset management business conforms to the strong demand of high net worth customers and the inherent demand of banks to find new profit points. In recent years, the development of private bank asset management business has developed rapidly, but in the process of development, there have also been a series of problems. Especially in the aspect of risk control and supervision, this paper puts forward some problems and development suggestions from this point of view. This paper introduces the private banking business from five parts: the first part is the significance of the study, methods and innovations; The second part is the summary of private banking business, mainly through the reference to the research of private banking business in the literature, the definition and characteristics of private banking business, the development of private banking business history and current development. The necessity and urgency of developing private bank asset management business are put forward. The third part introduces the theoretical basis and operational mechanism of private bank asset management business. The theoretical basis is divided into life cycle theory based on customer demand and investment goal and portfolio theory based on customer asset allocation. And from the two aspects of product system and asset management process to investigate the private bank asset management business operation mechanism; The fourth part is to put forward the most important risk point of the current business by analyzing the product system and the risk point in the asset management process of private bank. From the point of view of product system, the risks of private banks mainly focus on operational risks and reputation risks, while operational risks are more manifested as agency risks, starting from the process of asset management. The risk of private bank is mainly concentrated in the asset allocation stage and product sale stage, while the private bank asset management business is mainly in the use stage of product, so the risk of product sale stage is especially prominent. The fifth part is the development measures of private bank asset management in the aspects of product, risk, supervision and so on. As one of the emerging intermediate businesses, private banks are of great significance to promote the profits of banks. Therefore, product innovation and function optimization, as the endogenous driving force for the development of asset management business, is of great importance to the growth of private banks. In order to ensure the healthy and sustainable development of private banking business, perfect risk control and internal and external supervision mechanism are particularly important.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2
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