城商行私人銀行业务发展策略.docx

摘 要私人银行业务就是指针对社会中富有群体，提供针对性服务，进行资产保值、增值的一种个性化服务。私人银行业务在国外已经有着上百年的历史了，但在中国才刚刚起步。这几年随着中国经济的迅速增长，我国居民的拥有的财富明显增多，私人银行业务在各大城商行迅速的开展起来，另一方面由于私人银行业务在城商行中处于刚刚起步阶段，我国在私人银行业务方面的法律法规存在着缺陷也是在所难免的，各大城商行在发展私人银行业务过程中面临着许多问题。本文通过分析国外银行如何成功的开展私人银行业务，而且结合着我国城商行现在所面临的具体实际情况，为私人银行业务在城商行的发展提供若干策略。本文主要分五部分对城商行私人银行业务进行描述。第一部分先对城商行私人银行业务进行综述；第二部分阐述了国内外私人银行业务发展现状；第三部分主要介绍了城商行在开展私人银行业务时存在的问题；第四部分对城商行开展私人银行业务进行了SWOT分析；第五部分提出了若干我国城商行私人银行业务发展策略。关键字：城商行 私人银行业务 发展策略Development Strategies of the Private Banking BusinessFor City Commercial Banks Abstract： Private banking, refers to the dedicated for wealthy tailored, provide professional service, a service for asset management solution. Private banking operations in a foreign country already has a history of hundreds of years, but in the nascent stage in China. Along with the sustained and rapid growth of Chinese economy in recent years, the residents of the wealth accumulation increased significantly, the development of the private banking business in cities speed up. On the other hand because the laws and regulations in terms of private banking business in China is not perfect, city businesses in developing private banking business will be faced with many problems. In this paper based on the experience of the foreign banks successful private banking, and on the basis of actual situation of our country city business, for the development of the private banking business is to provide some Suggestions and strategies.This article is divided into five chapters to city firm initially the private banking business. The first chapter of first city businesses of private banking is summarized; The second chapter expounds the current situation of the development of private banking business at home and abroad. In the third chapter mainly introduces the city firms to carry out the problem of private banking business; The fourth chapter to city firm to develop private banking business has carried on the SWOT analysis; The fifth chapter puts forward several devel