论我国商业银行私人银行业务的现状与发展.docx

我国商业银行私人银行业务的现状与发展 ［摘要］近年来随着我国经济的快速发展，社会的快速进步，人民收入和生 活水平的不断提高，极大地促进我国银行业务发展和经济效益的提高。私人银行 业务在我国方兴未艾，并已步入社会大众的视野，呈现较好的发展态势。但是由 于我国的私人银行业务刚刚起步，与国外私人银行业务相比，不论是在外部法律 环境方而，还是在内部经营理念、组织架构、营销体系、专业人才、产品服务等 方面也存在明显不足。因此本文围绕我国商业银行私人银行业务的现状与发展进 行了思考。论文首先明确了私人银行的定义，概述我国发展私人银行业务的意义。 其次总结我国现阶段商业银行私人银行业务存在的问题，并指出存在诸多问题的 原因。最后结合我国实际情况的同时借鉴国际私人银行业务的先进经验，发现我 国私人银行业务开展中存在的障碍和困难，提岀了促进我国私人银行业务发展的 策略。 ［关键词］商业银行私人银行业务营销策略 TheDevelopment of Chinas private banking business [Abstract] In rece ntly years, with the rapid developme nt of Chinas econo my, the rapid progress of society, peoples income and living standards continue to improve, greatly promote the development of Chinas banking business and economic benefits. Private banking in our country in the ascendant, and has entered the publics perspective, showing a good momentum of development. However, because of the private banking business has just started, compared with foreign private banking business, both in the external legal environment, or in the Ministry of philosophy, organizational structure, marketing system, professionals, products and services, also there is obviously in sufficient . Therefore, this paper points out the definiti on of private banking, and summarizes the significanee of the development of private banking. Summing up our private banking business of commercial banks at the present stage the problems and pointed out the cause of many problems Finally, Chinas actual situation at the same time learn from the advanced experience of the international private banking business, the discovery of the obstacles and difficulties that exist in the private banking business to carry out the proposed strategy to promote the development of Chinas private banking business ? 目录 TOC \o 1-5 \h \z 一、 （导）引言 1 HYPERLINK \l bookmark2 \o Current Document 二、 商业银行发展私人银行业务概述 2 HYPERLINK \l bookmark4 \o Current Document （-）商业银行私人银行业务定义及特点 3 HYPERLINK \l bookmark6 \o Current Document （-）商业银行发展私人银行业务的意义 4 HYPERLINK \l bookmark8 \o Curre