我國私人銀行業(yè)務(wù)風(fēng)險管理分析
發(fā)布時間：2018-07-30 07:36
【摘要】：私人銀行業(yè)務(wù)起源于16世紀的瑞士，當(dāng)時的發(fā)展理念是為了使富裕人士達到資產(chǎn)保值的愿望。而目前興起的私人銀行業(yè)務(wù)并不只局限于這一種功能。私人銀行是銀行理財業(yè)務(wù)中最高端的一種，它的服務(wù)對象與銀行傳統(tǒng)業(yè)務(wù)所面對的客戶大有不同。私人銀行業(yè)務(wù)專門面向富裕階層，為他們提供資產(chǎn)投資與管理業(yè)務(wù)，，最低入門標準為100萬美元以上的金融資產(chǎn)。私人銀行業(yè)務(wù)憑借著其高額利潤，吸引著很多國家的銀行開設(shè)私人銀行業(yè)務(wù)部，在國際上具有很深的影響力。在第一家瑞士私人銀行成立之后，相繼有美國花旗銀行、德意志銀行、荷蘭銀行、東亞銀行、匯豐銀行等推出私人銀行業(yè)務(wù)。目前，私人銀行業(yè)務(wù)在國際上已經(jīng)屬于發(fā)展較為成熟的面向富裕人士的資產(chǎn)管理業(yè)務(wù)。 而我國私人銀行業(yè)務(wù)起步較晚，主要是由于我國經(jīng)濟發(fā)展特點、人們的傳統(tǒng)家庭觀念和風(fēng)險厭惡的偏好，所以直到2007年我國才出現(xiàn)私人銀行業(yè)務(wù)。在這一業(yè)務(wù)領(lǐng)域的開拓進程中，中國銀行成為了第一個“吃螃蟹”的，2007年該行在北京和上海兩地同時推出私人銀行業(yè)務(wù)。緊接著，各大國有銀行（工行、建行、農(nóng)行、交行）和一些股份制銀行（中信、招商、民生）均推出私人銀行業(yè)務(wù)。在我國私人銀行業(yè)務(wù)的服務(wù)對象也為高凈值客戶，各大銀行入門標準均有不同；但是服務(wù)內(nèi)容大同小異，既包括使資產(chǎn)增值的金融服務(wù)，也包括稅收規(guī)劃、遺產(chǎn)繼承、出國旅行、子女出國教育、藝術(shù)品、奢侈生活等內(nèi)容。在將近7年的發(fā)展里，我國私人銀行客戶數(shù)量逐年增長，管理的金融資產(chǎn)也是相當(dāng)可觀的，已達到16.5萬億。 在我們慶幸私人銀行成效卓越的同時，也發(fā)現(xiàn)了我國私人銀行發(fā)展也面臨著許多問題，例如風(fēng)險管理不夠完善、產(chǎn)品設(shè)計過于單一、客戶忠誠度不高、專業(yè)人才相對匱乏、發(fā)展模式過于模糊、服務(wù)方式不太完善等問題。其中風(fēng)險管理不完善是重中之重，私人銀行面臨的主要風(fēng)險是操作風(fēng)險、聲譽風(fēng)險和合規(guī)風(fēng)險；而新巴塞爾協(xié)議指出私人銀行首先面臨的是三大營運風(fēng)險（信用風(fēng)險、市場風(fēng)險、操作風(fēng)險）、其次面臨的是聲譽風(fēng)險、合規(guī)風(fēng)險、流動性風(fēng)險等。所以本文就結(jié)合商業(yè)銀行相關(guān)風(fēng)險管理理論對我國私人銀行業(yè)務(wù)的風(fēng)險管理做一點研究，同時結(jié)合2013上半年中國建設(shè)銀行的風(fēng)險管理現(xiàn)狀找出我國私人銀行風(fēng)險管理存在的問題，并結(jié)合國際上匯豐私人銀行、荷蘭私人銀行，從國際國內(nèi)兩個方面探討一下如何提升我國私人銀行的風(fēng)險管理能力。 本文第一章是引言部分，主要介紹了研究背景、目的與意義。本文第二章就商業(yè)銀行相關(guān)風(fēng)險管理理論和私人銀行相關(guān)業(yè)務(wù)進行一個全面的論述，主要商業(yè)銀行面臨的各種風(fēng)險以及理論；其次介紹一下私人銀行的業(yè)務(wù)、特征和面臨的風(fēng)險。第三章將介紹國外私人銀行是怎樣進行風(fēng)險管理的。首先對匯豐私人銀行的業(yè)務(wù)方式進行一定的研究、并指出其存在的優(yōu)點；其次再對匯豐私人銀行的風(fēng)險管理進行介紹；介紹完匯豐私人銀行后，再有針對性的對荷蘭私人銀行的風(fēng)險管理經(jīng)驗做出介紹，最后對我國如何開展私人銀行業(yè)務(wù)做出一定的啟示。第四章我將介紹我國私人銀行業(yè)務(wù)的發(fā)展現(xiàn)狀，同時以建設(shè)銀行為例介紹一下風(fēng)險管理的現(xiàn)狀與問題。最后一章也就是第五章對我國私人銀行風(fēng)險管理提出一點建議。文章指出可以從五個方面對私人銀行的風(fēng)險管理提出建議，其一是將產(chǎn)品組合多樣化，服務(wù)模式更加完善，這樣才能使私人銀行業(yè)務(wù)基本層面得到客戶的滿足，增加客戶忠誠度；其二要加強對私人銀行從業(yè)人員的素質(zhì)培養(yǎng)，努力提升全行業(yè)的業(yè)務(wù)素質(zhì)，只有從源頭上提高從業(yè)人員的業(yè)務(wù)素質(zhì)，才能更好的降低各種風(fēng)險；其三是完善相關(guān)法律法規(guī)，使監(jiān)管更加有效，這樣才能做到有法可依，防止合規(guī)風(fēng)險的發(fā)生；其四是把客戶信息登記制度進一步完善，并對客戶進行市場細分，這樣才能達到私人銀行業(yè)務(wù)的范圍擴大；其五是要完善私人銀行內(nèi)部風(fēng)險管理機構(gòu)，職責(zé)分工更加明確。 總的來說，本文的創(chuàng)新點在于結(jié)合商業(yè)銀行相關(guān)風(fēng)險管理理論，從更細的方面對我國私人銀行業(yè)務(wù)風(fēng)險管理提出來一點建議、同時結(jié)合最新案例建設(shè)銀行指出了我國私人風(fēng)險管理的現(xiàn)狀。所以我希望能通過自己的這一點研究，對我國私人銀行業(yè)務(wù)的風(fēng)險管理起到一定的幫助。
[Abstract]:Private banking, which originated in Switzerland in sixteenth Century, was designed to enable rich people to achieve the desire to preserve assets. The current private banking business is not limited to this function. Private banks are the top end of the bank's financial business, and its clients and customers face the traditional banking business. The private banking business specializes in the rich class and provides them with asset investment and management. The minimum entry standard is more than $1 million in financial assets. The private banking business, with its high profit, attracts many countries' banks to open private banking department, which has a deep influence in the world. After the establishment of the first Swiss private bank, Citibank, Deutsche Bank, the Bank of Holland, the Bank of East Asia, and HSBC have launched private banking. At present, the private banking business has become a more mature asset management business for wealthy people in the world.
The private banking business in China started relatively late, mainly due to the characteristics of our economic development, people's traditional family concept and the preference of risk aversion, so it was not until 2007 that the private banking business appeared in our country. In this field, the Bank of China became the first "eat crab", and in 2007 the bank was in Beijing and The private banking business is launched at the same time in Shanghai. Then, the private banking business is launched by all major state-owned banks (ICBC, CCB, agricultural bank, Bank of Agriculture) and some joint-stock banks (CITIC, inviting, people's livelihood). In our country, the service object of the private banking business in our country is high net value customers, and the major banks have different introductory standards; but the service content is big. The same small difference, including the financial services to increase the value of assets, including tax planning, inheritance, travel abroad, children's education abroad, art, luxury and other contents. In the development of nearly 7 years, the number of private bank customers in China has increased year by year, and the management of financial assets is considerable, and has reached 16 trillion and 500 billion.
While we are glad that private banks have achieved excellent results, we also find that the development of private banks in China is also faced with many problems, such as inadequate risk management, too single product design, low customer loyalty, relatively lack of professional talents, too vague development model, not perfect service mode and so on. The main risk that private banks face is operational risk, reputation risk and compliance risk. The new Basel agreement points out that private banks are first faced with three major operational risks (credit risk, market risk, operational risk), followed by reputation risk, compliance risk, liquidity risk and so on. The related risk management theory of the Bank of industry has done a little research on the risk management of private banking business in China. At the same time, combining with the risk management status of China Construction Bank in the first half of 2013, we find out the problems in the risk management of private banks in China, and combine the international HSBC Private Bank and the private bank of Holland to explore the two aspects from the international and domestic aspects. How to improve the risk management ability of private banks in China.
The first chapter is the introduction part, which mainly introduces the research background, the purpose and the significance. The second chapter of this paper makes a comprehensive discussion on the related risk management theory of commercial banks and the related business of private banks, the risks and theories of the main commercial banks. Secondly, it introduces the business, characteristics and the wind of private banks. The third chapter will introduce how the foreign private banks do risk management. First, a certain study of the business mode of HSBC Private Banks is made, and the advantages of it are pointed out. Secondly, the risk management of HSBC Private Banks is introduced. After the introduction of HSBC Private Bank, the private bank of Holland is further targeted. In the fourth chapter, I will introduce the current situation of the development of private banking in China, and introduce the current situation and problems of risk management with the Construction Bank as an example. The last chapter is the fifth chapter to put forward the risk management of private banks in China. The article points out that the risk management of private banks can be suggested from five aspects. One is to diversify the product portfolio and improve the service model. In this way, the basic level of the private banking business can be satisfied by the customer, and the customer loyalty is increased; and the second is to strengthen the quality of the personnel of the private bank. Efforts should be made to improve the professional quality of the whole industry. Only by improving the professional quality of the employees from the source can the various risks be reduced better, and the third is to improve the relevant laws and regulations so as to make the supervision more effective so that the law and the compliance risk can be prevented, and the four is to further improve the system of customer information registration, and In order to improve the scope of private banking, the fifth is to improve the internal risk management institutions in private banks, and the division of responsibilities is clearer.
In general, the innovation point of this paper is to combine the related risk management theory of commercial banks and give some suggestions on the risk management of private banking in China from a finer aspect. At the same time, the latest case construction bank has pointed out the status of private risk management in China. Risk management in human banking helps to a certain extent.
【學(xué)位授予單位】：河南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2
本文編號：2154297
[Abstract]:Private banking, which originated in Switzerland in sixteenth Century, was designed to enable rich people to achieve the desire to preserve assets. The current private banking business is not limited to this function. Private banks are the top end of the bank's financial business, and its clients and customers face the traditional banking business. The private banking business specializes in the rich class and provides them with asset investment and management. The minimum entry standard is more than $1 million in financial assets. The private banking business, with its high profit, attracts many countries' banks to open private banking department, which has a deep influence in the world. After the establishment of the first Swiss private bank, Citibank, Deutsche Bank, the Bank of Holland, the Bank of East Asia, and HSBC have launched private banking. At present, the private banking business has become a more mature asset management business for wealthy people in the world.
The private banking business in China started relatively late, mainly due to the characteristics of our economic development, people's traditional family concept and the preference of risk aversion, so it was not until 2007 that the private banking business appeared in our country. In this field, the Bank of China became the first "eat crab", and in 2007 the bank was in Beijing and The private banking business is launched at the same time in Shanghai. Then, the private banking business is launched by all major state-owned banks (ICBC, CCB, agricultural bank, Bank of Agriculture) and some joint-stock banks (CITIC, inviting, people's livelihood). In our country, the service object of the private banking business in our country is high net value customers, and the major banks have different introductory standards; but the service content is big. The same small difference, including the financial services to increase the value of assets, including tax planning, inheritance, travel abroad, children's education abroad, art, luxury and other contents. In the development of nearly 7 years, the number of private bank customers in China has increased year by year, and the management of financial assets is considerable, and has reached 16 trillion and 500 billion.
While we are glad that private banks have achieved excellent results, we also find that the development of private banks in China is also faced with many problems, such as inadequate risk management, too single product design, low customer loyalty, relatively lack of professional talents, too vague development model, not perfect service mode and so on. The main risk that private banks face is operational risk, reputation risk and compliance risk. The new Basel agreement points out that private banks are first faced with three major operational risks (credit risk, market risk, operational risk), followed by reputation risk, compliance risk, liquidity risk and so on. The related risk management theory of the Bank of industry has done a little research on the risk management of private banking business in China. At the same time, combining with the risk management status of China Construction Bank in the first half of 2013, we find out the problems in the risk management of private banks in China, and combine the international HSBC Private Bank and the private bank of Holland to explore the two aspects from the international and domestic aspects. How to improve the risk management ability of private banks in China.
The first chapter is the introduction part, which mainly introduces the research background, the purpose and the significance. The second chapter of this paper makes a comprehensive discussion on the related risk management theory of commercial banks and the related business of private banks, the risks and theories of the main commercial banks. Secondly, it introduces the business, characteristics and the wind of private banks. The third chapter will introduce how the foreign private banks do risk management. First, a certain study of the business mode of HSBC Private Banks is made, and the advantages of it are pointed out. Secondly, the risk management of HSBC Private Banks is introduced. After the introduction of HSBC Private Bank, the private bank of Holland is further targeted. In the fourth chapter, I will introduce the current situation of the development of private banking in China, and introduce the current situation and problems of risk management with the Construction Bank as an example. The last chapter is the fifth chapter to put forward the risk management of private banks in China. The article points out that the risk management of private banks can be suggested from five aspects. One is to diversify the product portfolio and improve the service model. In this way, the basic level of the private banking business can be satisfied by the customer, and the customer loyalty is increased; and the second is to strengthen the quality of the personnel of the private bank. Efforts should be made to improve the professional quality of the whole industry. Only by improving the professional quality of the employees from the source can the various risks be reduced better, and the third is to improve the relevant laws and regulations so as to make the supervision more effective so that the law and the compliance risk can be prevented, and the four is to further improve the system of customer information registration, and In order to improve the scope of private banking, the fifth is to improve the internal risk management institutions in private banks, and the division of responsibilities is clearer.
In general, the innovation point of this paper is to combine the related risk management theory of commercial banks and give some suggestions on the risk management of private banking in China from a finer aspect. At the same time, the latest case construction bank has pointed out the status of private risk management in China. Risk management in human banking helps to a certain extent.
【學(xué)位授予單位】：河南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2
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