本文選題：N銀行 + 私人銀行�。� 參考：《南京農(nóng)業(yè)大學(xué)》2014年碩士論文

【摘要】：近年來(lái),隨著我國(guó)經(jīng)濟(jì)的持續(xù)多年的穩(wěn)步增長(zhǎng),社會(huì)財(cái)富分配結(jié)構(gòu)也發(fā)生根本性的變化,民間資本和個(gè)人可支配收入逐年增加,個(gè)人客戶群體的金融需求不斷增長(zhǎng),高凈值富裕人群呈“爆炸式”膨脹,私人銀行客戶已成為各家銀行機(jī)構(gòu)爭(zhēng)相搶奪的客戶群體。私人銀行業(yè)務(wù)在我國(guó)銀行業(yè)內(nèi)悄然興起已是不爭(zhēng)的事實(shí)。目前,在我國(guó)金融體制改革已經(jīng)歷了改革開放多年來(lái)發(fā)展,初步形成了較為完備的社會(huì)主義市場(chǎng)經(jīng)濟(jì)體系。不同性質(zhì)經(jīng)濟(jì)體制并存,相互依賴,相互作用,推動(dòng)了國(guó)內(nèi)經(jīng)濟(jì)的穩(wěn)定增長(zhǎng),居民收入的持續(xù)增加。其問,一個(gè)重要的表現(xiàn)特征,就是中國(guó)富裕階層的迅速崛起,中國(guó)已擁有足夠的富裕人口基數(shù),而且富裕人口集中度非常高。高端富裕客戶增長(zhǎng)勢(shì)頭迅猛,對(duì)國(guó)內(nèi)商業(yè)銀行來(lái)說(shuō),發(fā)展私人銀行業(yè)務(wù)已經(jīng)具有良好的成長(zhǎng)空間,高端富�？蛻裟壳皩�(duì)銀行提供私人銀行服務(wù)具有現(xiàn)實(shí)的市場(chǎng)基礎(chǔ),也為銀行在新興資產(chǎn)管理和私人財(cái)富管理業(yè)務(wù)興起的過程中找到了新的出路,’為私人銀行業(yè)務(wù)創(chuàng)造了市場(chǎng)機(jī)會(huì)。本論文的設(shè)計(jì)思想主要來(lái)源于自己從事私人銀行業(yè)務(wù)實(shí)際工作中的經(jīng)驗(yàn),運(yùn)用大量的文獻(xiàn)分析,并以N銀行私人銀行業(yè)務(wù)發(fā)展現(xiàn)狀作為個(gè)案進(jìn)行深入剖析,具有較強(qiáng)的可操作性、針對(duì)性和實(shí)戰(zhàn)性,力求時(shí)效性。在一定程度上能夠指導(dǎo)N銀行在實(shí)施和大力推進(jìn)私人銀行業(yè)務(wù)戰(zhàn)略中,建立和完善適合高端客戶個(gè)性需求,綜合化、專業(yè)化的金融服務(wù),認(rèn)真探索具有N銀行特色的私人銀行業(yè)務(wù)運(yùn)營(yíng)模式,不但向綜合化、多樣化發(fā)展,更要向國(guó)際化、現(xiàn)代化發(fā)展,不斷提升競(jìng)爭(zhēng)能力,使其私人銀行業(yè)務(wù)發(fā)展步伐始終走在國(guó)內(nèi)各家銀行的前列,被各家銀行所借鑒,開創(chuàng)未來(lái),具有指導(dǎo)意義。本文首先闡述私人銀.行的歷史背景和意義、論文研究方法和框架結(jié)構(gòu)；接著對(duì)私人銀行業(yè)務(wù)進(jìn)行定義和特征總結(jié),綜述和分析國(guó)內(nèi)外私人銀行業(yè)務(wù)的性質(zhì)和特點(diǎn)；然后通過對(duì)國(guó)內(nèi)外私人銀行業(yè)務(wù)的發(fā)展現(xiàn)狀和發(fā)展中普遍存在問題的分析,探討私人銀行業(yè)務(wù)發(fā)展中的問題和模式；從N銀行私人銀行的經(jīng)營(yíng)實(shí)踐出發(fā),對(duì)N銀行私人銀行現(xiàn)有客戶作數(shù)據(jù)樣本分析,得出N銀行私人銀行客戶的真實(shí)需求,再運(yùn)用SWOT分析法,分析和比較N銀行私人銀行發(fā)展的優(yōu)勢(shì)、機(jī)遇、劣勢(shì)和困境；最后得出結(jié)論,從戰(zhàn)略定位、組織架構(gòu)、渠道建設(shè)、產(chǎn)品創(chuàng)新、人才培養(yǎng)、風(fēng)險(xiǎn)管理等方面提出具體的發(fā)展策略。
[Abstract]:In recent years, with the steady growth of China's economy for many years, the distribution structure of social wealth has also undergone fundamental changes, private capital and personal disposable income have increased year by year, and the financial needs of individual customer groups have been increasing. High net worth wealthy people are exploding, and private banking customers have become a scramble among banks. It is an indisputable fact that private banking has emerged quietly in China's banking industry. At present, the reform of financial system in our country has experienced many years of reform and opening up, and has formed a relatively complete socialist market economy system. The coexistence, interdependence and interaction of different economic systems have promoted the steady growth of domestic economy and the continuous increase of residents' income. An important characteristic is the rapid rise of China's wealthy population, which already has an adequate population base and is highly concentrated. High-end wealthy customers are growing rapidly. For domestic commercial banks, the development of private banking business already has a good growth space. High-end wealthy customers now have a realistic market foundation for banks to provide private banking services. It has also created market opportunities for banks in the process of emerging asset management and private wealth management. The design idea of this paper mainly comes from the experience in the private banking business, using a lot of literature analysis, and taking the development status of N bank private banking business as a case study. Have strong maneuverability, pertinence and actual combat, strive for timeliness. To a certain extent, it can guide N Bank in implementing and vigorously promoting the private banking business strategy, and establish and improve financial services that are suitable for the individual needs of high-end customers and are integrated and specialized. To seriously explore the private banking business operation mode with N bank characteristics, not only to integrate and diversify, but also to internationalize, modernize and continuously enhance competitiveness. It is of guiding significance to make its private banking business develop in the forefront of the domestic banks and be used for reference by the banks to create the future. This paper first describes private silver. The historical background and significance of the bank, the research methods and framework structure, the definition and characteristic summary of the private banking business, the summary and analysis of the nature and characteristics of the private banking business at home and abroad; Then through the analysis of the current situation and the common problems in the development of the private banking business at home and abroad, the paper discusses the problems and models in the development of the private banking business, starting from the management practice of the private bank of N bank. Based on the data sample analysis of N bank private bank customers, the real needs of N bank private bank customers are obtained, and then the advantages, opportunities, disadvantages and difficulties of N bank private bank development are analyzed and compared by using SWOT analysis method. Finally, the paper puts forward some specific development strategies from strategic orientation, organizational structure, channel construction, product innovation, talent training, risk management and so on.
【學(xué)位授予單位】：南京農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2

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本文編號(hào)：1847151