本文關(guān)鍵詞：招商銀行Y分行“金葵花”私人銀行業(yè)務(wù)案例分析　出處：《遼寧大學(xué)》2016年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 私人銀行業(yè)務(wù) 高凈值客戶 資產(chǎn)配置 案例研究

【摘要】：2013年到2014年,中國宏觀經(jīng)濟(jì)發(fā)展進(jìn)入“新常態(tài)”,增長速度從原來的高速轉(zhuǎn)為中高速。在經(jīng)濟(jì)“新常態(tài)”格局下,中國私人財(cái)富市場依然保持了較快的增長速度。綜合各項(xiàng)宏觀因素對中國私人財(cái)富市場的影響,2015年全國個人可投資資產(chǎn)總體規(guī)模將達(dá)到129萬億元,較2014年增長16%,與2012-2014年的增長速度保持一致；中國高凈值人群將達(dá)到126萬人左右,較2014年增長22%；高凈值人群持有財(cái)富將達(dá)37萬億人民幣,同比增長17%。由這些具體數(shù)據(jù)可以看出,中國私人財(cái)富市場持續(xù)釋放著巨大的市場價(jià)值,在未來擁有無限的發(fā)展?jié)摿?擁有著光明的發(fā)展前景。從銀行角度看,首先,在利率市場化的大背景下,發(fā)展私人銀行有利于推動商業(yè)銀行業(yè)務(wù)模式轉(zhuǎn)型、實(shí)施差異化戰(zhàn)略、應(yīng)對利率市場化帶來的挑戰(zhàn)。其次,發(fā)展私人銀行有利于促進(jìn)財(cái)富管理行業(yè)整合提升和金融創(chuàng)新。最后,發(fā)展私人銀行有利于完善健全我國金融服務(wù)的功能體系,有利于國民財(cái)富的保護(hù)和增值。所以說私人銀行的發(fā)展壯大既有利于提升市場效率,改善國民生活,同時可以主推商業(yè)銀行轉(zhuǎn)型升級,提高中間業(yè)務(wù)收入能力,提升以客戶為中心的服務(wù)能力,幫助銀行在經(jīng)濟(jì)下行期依然可以保持穩(wěn)定的收入水平,減少周期性經(jīng)濟(jì)帶來的不利影響。本文主要分為五個部分,緒論部分主要介紹了本文的研究背景意義以及本文的創(chuàng)新和不足；第一部分介紹了中國私人銀行業(yè)務(wù)發(fā)展的現(xiàn)狀和未來的發(fā)展趨勢；第二部分主要介紹招商銀行Y分行私人銀行業(yè)務(wù)案例,首先著眼于國內(nèi)國外的宏觀經(jīng)濟(jì)環(huán)境,以及股市、債市、大宗商品市場、黃金市場的發(fā)展態(tài)勢,結(jié)合客戶的資產(chǎn)以及風(fēng)險(xiǎn)承受能力,對客戶的資產(chǎn)配置進(jìn)行了詳細(xì)的分析及系統(tǒng)的闡述,為客戶提供了合理化的配置建議,進(jìn)一步分析了美聯(lián)儲加息對國內(nèi)以及國際經(jīng)濟(jì)的影響,并對資產(chǎn)進(jìn)行了動態(tài)配置。第三部分主要是從案例出發(fā),針對案例中的優(yōu)點(diǎn)和缺點(diǎn)進(jìn)行分析。第四部分結(jié)合案例分析,對招商銀行私人銀行業(yè)務(wù)提出具體的改進(jìn)方法及對策性建議。
[Abstract]:From 2013 to 2014, Chinese macro economic development has entered a new normal growth rate, from the original is in high speed rotating speed. In the "new normal" pattern, China private wealth market is still maintained a rapid growth rate. The influence of macroeconomic factors on China private wealth market, in 2015 the national personal overall the scale of investment assets reached 129 trillion yuan, an increase of 16% compared to 2014, consistent with the 2012-2014 growth rate; Chinese high net worth population will reach about 1 million 260 thousand people, an increase of 22% compared to 2014; the population of high net worth wealth holdings will reach 37 trillion yuan, an increase of 17%. by these specific data can be seen, Chinese private wealth market continued to release the huge market value, has unlimited potential for development in the future, have a bright future. From the point of view of the bank, first of all, in the interest rate market big Under the background of the development of private banking is conducive to promoting the transformation of commercial bank business model, implement the strategy to deal with the challenges of the interest rate market. Secondly, the development of private banking is conducive to the promotion of the wealth management industry integration and enhance financial innovation. Finally, the development of private banking is conducive to improve the function of sound system of China's financial services, protection and the value to national wealth. So that the development of the growth of private banks is conducive to enhance market efficiency, improve the people's life, at the same time can be the main push of commercial banks to upgrade, improve intermediary business revenue ability, enhance customer centered service ability, income level to help banks can still remain stable in the period of economic downturn. To reduce the adverse effects of the economic cycle. This paper is divided into five parts, the introduction part mainly introduces the research background and significance of this paper And the lack of innovation; the first part introduces the current situation of private banking business development China and future development trend; the second part mainly introduces the Y branch of China Merchants Bank private banking business case, first focus on domestic and international macroeconomic environment, as well as the stock market, bond market, commodity market, the development trend of the gold market, combined with the customer's assets and the ability to bear risk, customer asset allocation is analyzed and detailed elaboration, provides reasonable configuration recommendations for customers, in order to analyze the influence of the Fed rate hike in domestic and international economy, and the assets of the dynamic configuration. The third part is mainly starting from the case, according to the analysis of the case the advantages and disadvantages. The fourth part of the case analysis, puts forward some improvement methods and suggestions of the China Merchants Bank private banking business.

【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F832.2

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