本文選題：私人銀行 + 發(fā)展模式��； 參考：《山東大學(xué)》2012年碩士論文

【摘要】：私人銀行業(yè)務(wù)歷來(lái)是各國(guó)銀行業(yè)在個(gè)人業(yè)務(wù)服務(wù)方面的重要業(yè)務(wù),在商業(yè)銀行轉(zhuǎn)型中發(fā)揮巨大的作用,是銀行個(gè)人業(yè)務(wù)效益組成的支柱。我國(guó)銀行業(yè)在成立之初,主要是為不斷發(fā)展的企業(yè)提供各種服務(wù),個(gè)人業(yè)務(wù)主要是為客戶提供存款服務(wù),大多數(shù)的商業(yè)銀行負(fù)責(zé)個(gè)人業(yè)務(wù)的部門(mén)名稱叫做“籌資部”。近年來(lái),國(guó)內(nèi)商業(yè)銀行的個(gè)人業(yè)務(wù)發(fā)生了巨大的變化,由過(guò)去單純的籌資功能轉(zhuǎn)化為客戶提供專業(yè)的理財(cái)服務(wù),銀行的經(jīng)營(yíng)場(chǎng)所也發(fā)生了較大的變化。由過(guò)去單純的高柜服務(wù)變成現(xiàn)在的高柜、低柜和理財(cái)中心,根據(jù)客戶的需求、客戶的性質(zhì)提供差異化的服務(wù),逐漸開(kāi)始了以“客戶為中心”的新的銀行服務(wù)理念。 私人銀行業(yè)務(wù)是商業(yè)銀行以財(cái)富管理為核心,面向高額凈資產(chǎn)客戶提供的專業(yè)化的一攬子的金融服務(wù)。隨著我國(guó)經(jīng)濟(jì)的發(fā)展,社會(huì)財(cái)富不斷增長(zhǎng),高凈值的人群也越來(lái)越多,中國(guó)已經(jīng)形成了一支在社會(huì)經(jīng)濟(jì)中越來(lái)越具有影響力的高收入群體,這部分高端客戶迫切需要銀行提供不同于大眾的專享服務(wù)。由于我行客戶分層剛剛起步,以客戶為中心的服務(wù)理念剛剛推行,因此對(duì)于國(guó)外早就開(kāi)始的針對(duì)高端客戶的私人銀行業(yè)務(wù),我國(guó)的商業(yè)銀行極度缺乏,該群體日益增長(zhǎng)的財(cái)富管理需求難以得到有效滿足。同時(shí)由于我國(guó)宏觀經(jīng)濟(jì)、金融管制以及內(nèi)部制度的限制,我國(guó)商業(yè)銀行的運(yùn)作模式還存在諸多問(wèn)題。我國(guó)商業(yè)銀行私人銀行的發(fā)展還有很長(zhǎng)一段路要走。 本文首先介紹了此篇論文的寫(xiě)作背國(guó)內(nèi)外對(duì)私人銀行業(yè)務(wù)研究的文獻(xiàn)梳理以及研究此課題的必要性,隨后詳細(xì)概述了私人銀行的定義、特征、發(fā)展,以及私人銀行業(yè)務(wù)與銀行發(fā)展的關(guān)系。同時(shí)研究分析了國(guó)外私人銀行和國(guó)內(nèi)私人銀行業(yè)務(wù)的發(fā)展模式和發(fā)展情況,對(duì)國(guó)內(nèi)外私人銀行的發(fā)展模式進(jìn)行了對(duì)比分析,提出了影響私人銀行發(fā)展的幾個(gè)因素以及國(guó)內(nèi)私人銀行在發(fā)展過(guò)程中存在的問(wèn)題,最后通過(guò)分析,提出了我國(guó)私人銀行業(yè)務(wù)發(fā)展模式的建議,并在此基礎(chǔ)上提出了一些對(duì)策意見(jiàn),如加強(qiáng)私人銀行專業(yè)化經(jīng)營(yíng)、優(yōu)化客戶結(jié)構(gòu)、加強(qiáng)產(chǎn)品研發(fā)、引入現(xiàn)代營(yíng)銷觀念、加快信息系統(tǒng)建設(shè)、培養(yǎng)引進(jìn)私人銀行專業(yè)人才等一些措施。
[Abstract]:Private banking has always been an important business in the personal business service of the banking industry in various countries. It plays an important role in the transformation of commercial banks and is the pillar of individual business efficiency of banks. At the beginning of China's banking industry, it is mainly to provide various services for developing enterprises, and personal business is mainly to provide deposit service for customers. Most commercial banks' departments in charge of personal business are called "financing Department". In recent years, great changes have taken place in the personal business of domestic commercial banks, from the simple function of raising funds to providing professional financial services for customers, and great changes have taken place in the place of operation of banks. From the simple high cabinet service in the past to the current high cabinet, low cabinet and financial management center, according to the customer's demand, the customer's nature provides the differentiated service, gradually began to take "the customer as the center" the new bank service idea. Private banking is a professional package of financial services provided by commercial banks with wealth management as the core and for customers with high net assets. With the development of our country's economy, the social wealth is increasing and the number of people with high net worth is increasing. China has formed a high-income group with more and more influence in the social economy. This segment of high-end customers urgently need banks to provide exclusive services different from the public. As the customer stratification of our bank has just started, and the concept of customer-centered service has just been implemented, the commercial banks in our country are extremely short of the private banking business for high-end customers, which has long been started abroad. The growing wealth management needs of this group are difficult to meet effectively. At the same time, because of the restriction of macro economy, financial control and internal system, there are still many problems in the operation mode of commercial banks in our country. There is still a long way to go for the development of private banks in China's commercial banks. This paper first introduces the writing of this paper and the domestic and foreign literature review of private banking research and the necessity of studying this topic, and then summarizes the definition, characteristics, development of private banking in detail. And the relationship between private banking and bank development. At the same time, it studies and analyzes the development mode and situation of foreign private banks and domestic private banks, and makes a comparative analysis of the development models of domestic and foreign private banks. This paper puts forward several factors that affect the development of private banks and the problems existing in the development of domestic private banks. Finally, through the analysis, the author puts forward some suggestions on the development mode of private banks in China. On this basis, some countermeasures are put forward, such as strengthening the specialized management of private banks, optimizing customer structure, strengthening product research and development, introducing modern marketing concepts, and speeding up the construction of information systems. Training the introduction of private banking professionals and other measures.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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