马吉腾金融改革背景下私人银行的发展.pdfVIP

Abstract With the rapid development of Chinas economy, the number of people with high net worth has increased substantially and continuously. In order to meet the investment needs of people with high net worth, Chinas private banking business has begun to develop gradually. Although the private banking business has also gone through nearly 20 years in China, it is still in its infancy compared with the development of European and American countries. This paper combines the development history and current situation of Chinas commercial banks, takes the products and business of ICBC as the sample of detailed introduction. This paper will analyze the bank data and domestic macro data in this year, so as to find out the problems existing in Chinas private banking business, judge the development trend of Chinas private banking business in the future. Finally, solutions will be proposed. Key words: Financial reform, Private banking, Industrial Commercial Bank of China 目 录 前 言 1 1 金融改革概述2 1.1 金融改革内容2 1.1.1 放开汇率管制 2 1.1.2 取消利率限制 2 1.2 金融改革对私人银行业务的影响3 1.2.1 提高开放程度对于我国私人银行业务的影响 3 1.2.2 金融脱媒对于我国私人银行业务的影响 4 2 我国私人银行的发展现状5 2.1 私人银行业务综述5 2.1.1 国内私人银行业务发展状况分析 5 2.1.2 国外私人银行业务发展状况分析 5 2.2 私人银行业务发展现状分析-以中国工商银行为例6 2.2.1 中国工商银行私人银行业务发展概况 6 2.2.2 产品类型 7 2.3 私人银行业务发展趋势分析8 2.3.1 客户结构发生变化 8 2.3.2 中国未来私人银行业务前景向好 9 3 金融改革背景下私人银行的现存的问题10 3.1 制度设计与法律规范有待完善10 3.2 产品服务比较单调10 3.3 专业人才较为匮乏10 3.4 发展模式有待调整11 4 应对私人银行现有问题的对策12 4.1 完善相关制度与法律规范12 4.2 转变经营发展模式12 4.3 加强境外投资能力建设12 4.4 对应客户群体，更新产品策略财富传承业 13 4.5 使用大数据、新科技精准挖掘客户资源14 4.6 加强团队专业性建设14 结 论 16 致 谢 17 参考文献 18 前 言 中国是世界上最大的发展中国家，随着中国经济的腾飞，中国高净值人群的数量也 在快速增长。据调查研究，在2018年的时候，中国的高净值人群数量已经达到