中国X银行私人银行业务分析研究

Analysis and Research on the private banking business of X Bank of China

摘要:(摘要内容经过系统自动伪原创处理以避免复制,下载原文正常,内容请直接查看目录。)

私家银行营业萌芽于欧洲,经由几百年的成长,曾经成为金融办事业金字塔尖的营业。跟着最近几年中国公民经济飞速成长,居平易近财富日趋积聚,一年夜批充裕阶级如雨后春笋般敏捷突起,富豪人群对小我资产的专业化设置装备摆设需求愈来愈兴旺。面临这汗青性的机会,外资银行与国际外乡银行纷纭涉足私家银行营业,愿望能分享这场财富的盛宴。中国X银行是国际较早展开私家银行营业的银行之一,经由近六年的成长,中国X银行的私家银行营业摸着石头过河,走出一条具有本身特点的途径,其私家银行客户数目和治理资产总量在同业中首屈一指。但成长至今,中国X银行私家银行营业弗成防止的碰到了一系列的成绩与瓶颈,若何应对这些挑衅,使私家银行营业在后期所获得的成就的基本上,赓续改良,完成冲破,不只对中国X银行,并且对中国的私家银行市场都有侧重要的意义。本文起首引见了私家银行的界说,私家银行营业是指贸易银行动小我高净值客户供给的财富治理办事,它有需求导向、专业化、综合化、私密性强等特色,然后罗列了国际外学者关于这项营业成长的实际研讨,侧重剖析了中国X银行私家银行营业的近况,中国X银行私家银行部成立于2008年3月,今朝同业市场份额较年夜,客户反应优越,但也面对着很多成绩和瓶颈,商量归结中国X银行及我国贸易银行私家银行营业成长中面对的成绩和瓶颈,包含组织归属不清,人才的匮乏,产物立异和风险监管的抵触等,并提出树立自力的私家银行专营机构,引进专业人才的同时年夜力造就外部员工,持续推动产物立异和多样化的措施等建议。本文的重要不雅点及结论以下:1、私家银行营业在中国顺势而生,市场空间伟大,机会与挑衅共存。2、私家银行在瑞士和美国成长成熟,各自构成奇特作风,中国的私家银行营业可自创国外的先辈经历,如稳健运营、重视隐私、供给一站式办事等,但由于国情分歧及政策限制,又弗成照搬,需摸索出一条具有中国特点的成长途径。3、中国X银行私家银行营业在国际同业市场占比拟年夜,获得了可喜的成就,也面对着很多成绩,如组织构造不了了、产物单1、缺少客户细分,办事才能完善等。4、中国X银行私家银行营业要想冲破瓶颈,做出中国第一私家银行品牌,需从高层理清机制、树立自力的私家银行专营机构、增强私家银行办事团队的客户拓展和客户保护才能,重视客户细分需求、增强产物立异,凸起资产设置装备摆设才能等。本文固然获得了必定的研讨结果,但由于银行数据的涉密性和案例的单一性等缘由,还存在很多缺乏的地方。将来可从客户需求及产物研发等方面,深刻研讨中国私家银行营业的成长战略。

Abstract:

Private banking originated in Europe, through several hundred years of development, has become the tip of the Pyramid financial services business. Along with the recent years Chinese citizens of rapid economic growth, ranking civilian wealth increasingly accumulated, a large number of wealthy have mushroomed in agile processes, the rich people of personal assets specialization set equipment demand is becoming more and more prosperous. Facing this historic opportunity, foreign banks and the local banks are involved in the private banking business hope to share the wealth of the feast. X Bank of China International launched earlier one of the private banking business of the bank, through nearly six years of growth, the X Bank of China private banking conscience stones to cross the river, out of a way to have the characteristic of, its private banking customers number and governance of total assets in the person of the same trade is second to none. But up to now, X Bank of China private banking Eph into prevent met a series of achievements and bottleneck, how to deal with these challenges, the private banking business in the late achievement basically, is improved ceaselessly, complete break, not only to x Bank of China and of China's private banking market have important significance. This paper introduces the definition of private banking, private banking wealth management refers to the service trade bank personal high net worth clients supply, it needs oriented, professional, comprehensive, strong privacy and other characteristics, and then summarizes the scholars about this business into the actual research, focuses on the analysis of the X bank Chinese private banking business in X bank, Chinese private bank was established in March 2008, the current interbank market share is relatively large, the customer response is superior, but also facing a lot of achievements and performance bottleneck, and the bottleneck facing down X China bank and discuss our country commercial bank private banking business development, including the organization of ownership is not clear, the lack of talent, product innovation and risk supervision conflicts, and establish independent private banking institutions, the introduction of professional talent at the same time creating external force to employees. Continue to promote product innovation and diversification of the measures proposed. In this paper, the important ideas and conclusions are as follows: 1, the private banking business in Chinese homeopathy and health, great market space, opportunities and challenges coexist. 2, private banks in Switzerland and the United States to grow mature, each constitute the unique style and China's private banking business can own foreign advanced experience, such as stable operation, attach importance to privacy, provide one-stop services, but due to the differences of national conditions and policy restrictions, and Eph into copy, worked out with the developing way of Chinese characteristics. 3, X Bank of China private banking business in the international interbank market accounted for relatively large, gratifying achievements have been made, are also facing a lot of problems, such as organizational structure, product of a single, the lack of customer segmentation, work can be improved. 4, X Bank of China private banking business in order to break through the bottleneck, to make China's first private bank brand, need from the top clear mechanism, established the independent private banking franchise organizations, enhance private banking services team of customer development and customer in order to protect, customer segmentation and emphasis on demand, enhance product innovation, raised assets set furnishings and equipment can be. This paper while access to a certain amount of research results, but due to the data bank of the secret and the case of single and other reasons, there are still a lot of places where the lack of. The future from the aspects of customer needs and product development, deep research China business growth strategy of private banks.

目录:

摘要4-6
Abstract6-7
1 绪论10-14
    1.1 研究背景和目的10-12
    1.2 研究内容和方法12-13
    1.3 论文结构和分析框架13-14
2. 私人银行概述及文献研究14-20
    2.1 私人银行概述14-18
        2.1.1 私人银行简介14-16
        2.1.2 私人银行业务与贵宾理财业务的区别16-17
        2.1.3 我国发展私人银行业务的意义17-18
    2.2 国内外研究现状18-20
3. 中国X银行私人银行业务发展现状分析20-38
    3.1 中国X银行私人银行的服务内容20-22
    3.2 中国X银行私人银行业务的特色服务22-26
        3.2.1 在全球范围遴选产品及投资组合22-23
        3.2.2 投融资一体化23-24
        3.2.3 创新服务24-25
        3.2.4 强化私人增值服务25-26
    3.3 中国X银行私人银行的服务模式和机制26-29
        3.3.1 中国X银行私人银行的服务模式26-27
        3.3.2 中国X银行私人银行的服务机制27-29
    3.4 中国X银行私人银行的发展现状和发展目标29-38
        3.4.1 中国X银行私人银行的发展现状29-31
        3.4.2 中国X银行私人银行业务的优势及下一步目标31-38
4. 中国X银行私人银行业务发展面临的问题及改进建议38-48
    4.1 中国X银行私人银行业务发展面临的问题38-42
        4.1.1 组织结构不够明晰38-39
        4.1.2 综合服务能力和客户拓展能力欠缺39-40
        4.1.3 产品较单一40
        4.1.4 缺乏私人银行客户需求细分研究40-41
        4.1.5 风险管理较薄弱41
        4.1.6 专业人才匮乏41-42
    4.2 对中国X银行私人银行业务发展提出的建议及改进措施42-48
        4.2.1 组织结构明晰,处理好与当地分行关系42-43
        4.2.2 提升综合服务能力43-44
        4.2.3 产品多样化44-45
        4.2.4 根据客户细分提供精细化服务45
        4.2.5 加强风险控制措施45-46
        4.2.6 定向培养,合理对接,打造特色服务团队46-48
5. 结论与展望48-50
参考文献50-52
致谢52