我国商业银行私人银行业务研究.pdfVIP

中文摘要 摘要 私人银行业务作为一种外来新生事物，在我国仍处于培育初期。虽然目前国 内富裕阶层对此业务的认知度并不高，但是，今天的中国随着国民财富的不断增 长，正逐渐发展为财富管理界最大的成长型市场，这一事实以及潜在的金融市场 投资机会创造出大量的市场需求，使得中外资银行和非银行等金融机构纷纷瞄准 中国市场，激烈的竞争局面已经成型。机遇的存在总是伴随着风险和挫折，我国 商业银行要在激烈竞争中取得成绩，学习外资私人银行业务相关的知识成为必 然。欧美等发达国家的私人银行业务经历了上百年的历练，已经形成了相当完善 的业务体系，我们在学习的同时，要从国情和客户对财富管理的切身需求出发， 不能完全套用国外经验，在从业人员的共同探索中不断前行。私人银行业务自身 的发展将大大提升我国商业银行的竞争力，有助于金融创新，同时，新生业务的 发展也将促进我国金融监管体制的深化改革。 正是由于看到了我国私人银行业务发展的无限前景以及发展中存在的问题， 本文立足于此来进行研究。作者通过搜集大量的相关资料和数据，分别从私人银 行业务的概念、我国的发展现状、业务中涉及的产品与服务、业务流程以及盈利 模式等层面递进式的介绍和深入分析了我国私人银行业务，比较了中外私人银行 业务的优劣势，借鉴了他们先进的经营和管理方法，最终对我国商业银行私人银 行业务在今后的发展提出对策。 关键词：商业银行；私人银行业务；盈利模式 III Abstract Abstract In the inland of China, Private banking as a new business of bank, which is still in its infancy. Although the awareness and penetration of private banking hasn’t got the high level, with the growth of people’s wealth, China is going to be the largest and the most prosperous market. The prediction will be come true, there will take place a competitive battle between foreign banks and domestic banks, which is stirred up by the huge demands of domestic high net worth groups. Opportunity and challenge are the twins, if our banks want to win in the battle, we must learn the advanced experience of foreign private banking. In the developed countries of Europe and America, the private banking has went through a long history, which has cultivated a perfect system. We must on the opinion of our customers’ immediate demands and concern the situation of our country’s financial environment, if we just learning only by the foreigners’ steps and rules, we will have no future. With the development of private banking, it will increase the competitive advantage of our banking industry