【摘要】：近年來，我國經(jīng)濟的不斷發(fā)展，富裕人群的數(shù)量越來越多，帶來了財富的累積以及對財富管理的需求日趨旺盛，這為我國商業(yè)銀行的發(fā)展提供了巨大的機遇。商業(yè)銀行要取得成功，必須要加快自身的戰(zhàn)略轉(zhuǎn)型，以適應(yīng)經(jīng)濟金融化、金融市場化的進程。在轉(zhuǎn)型的背景下，高凈值客戶已成為全球商業(yè)銀行獲取市場份額的突破口。我國的商業(yè)銀行必須加大私人銀行業(yè)務(wù)的發(fā)展力度，才能在競爭中立于不敗之地。 私人銀行作為商業(yè)銀行向高端富裕階層提供的以財富管理為核心的金融服務(wù)，具有隱秘性、綜合性以及個性化的特點，以及較高的收益。面對不同類型的客戶，私人銀行應(yīng)制定出不同的適合客戶需求的投資理財以及資產(chǎn)管理計劃，最大化的滿足客戶的需求。近幾年來，私人銀行在商業(yè)銀行業(yè)務(wù)中的比重在不斷地上升。 本文首先研究了我國商業(yè)銀行轉(zhuǎn)型的問題，闡述了轉(zhuǎn)型的動因以及路徑的選擇，引出戰(zhàn)略轉(zhuǎn)型下發(fā)展私人銀行的重要性。其次，介紹了對私人銀行的特點以及與其他銀行業(yè)務(wù)的比較。然后通過分析提出了我國的私人銀行在戰(zhàn)略轉(zhuǎn)型背景下所存在的問題，最后，結(jié)合西方先進的經(jīng)驗，從自身情況出發(fā)，對我國私人銀行發(fā)展存在的問題提出了對策。
[Abstract]:In recent years, with the continuous development of our economy, the number of rich people is more and more, which brings about the accumulation of wealth and the increasing demand for wealth management, which provides a great opportunity for the development of commercial banks in our country. In order to succeed, commercial banks must speed up their own strategic transformation in order to adapt to the process of economic financialization and financial marketization. In the context of transformation, high net worth customers have become the global commercial banks to gain market share breakthrough. The commercial banks of our country must strengthen the development of the private banking business in order to be invincible in the competition. As a commercial bank, private banks provide financial services with wealth management as the core, which has the characteristics of privacy, comprehensiveness and individuation, as well as higher returns. In the face of different types of customers, private banks should formulate different investment financing and asset management plans to meet the needs of customers. The proportion of private banks in commercial banking has been rising in recent years. This paper first studies the problem of the transformation of commercial banks in China, expounds the motivation and path of the transformation, and leads to the importance of developing private banks under the strategic transformation. Secondly, it introduces the characteristics of private banks and the comparison with other banks. Then it puts forward the problems existing in the background of the strategic transformation of the private banks in our country. Finally, combining with the advanced experience of the west, the author puts forward the countermeasures to the problems existing in the development of the private banks in our country according to their own conditions.
【學位授予單位】：首都經(jīng)濟貿(mào)易大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2

【引證文獻】

相關(guān)期刊論文 前1條

1 張淮青;;論商業(yè)銀行的私人銀行如何開展財富顧問服務(wù)[J];財經(jīng)界(學術(shù)版);2016年12期

相關(guān)碩士學位論文 前3條

1 王曉珂;X銀行大連分行私人銀行業(yè)務(wù)經(jīng)營策略研究[D];大連理工大學;2016年

2 張瑩瑩;合肥市某商業(yè)銀行私人銀行業(yè)務(wù)營銷策略改進研究[D];安徽大學;2016年

3 石一婷;沈陽ZG銀行私人銀行專屬產(chǎn)品開發(fā)策略研究[D];大連理工大學;2015年

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本文編號：2424891