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1、安徽农业大学硕士学位论文我国商业银行私人银行业务的发展问题研究姓名：郭瑞奉申请学位级别：硕士专业：产业经济学指导教师：周葆生2011-06I一弱带带握式弱一一嘉团一一IIAbstractPrivatebankingbusinessisbasedonwealthmanagementprovidinghigh-net-worthcustomerswithtopfinanceservicesItsprominentfeatureisanorderedfinancialservicesuitableforthedemandsofthecustomerswithconfidentialandprivat
2、efeature.Asahigh-profitbusinessofcommercialbanksprivatebankinghandavibrantdevelopmentinforeigncountryandbecomesoneofthemostimportantpartofcommercialbank.AtthesametimetheprivatebankingbusinesshavegotahugedevelopmentinChinawithChinascommercialbanktoimplementthebusinesstransationstrategytodeepenfinanci
3、almarketsfierceattacksofforeignbanksinthedevelopmentofthehighqualitycustomers.AccordingtothecommitmentstotheWorldTradeOrganizationChinahascanceledtherestrictionsonforeignbanksonDecember2006andallowedforeignbankstocarryoutallthebusinessinChina.Asthefieldsoffinancesopeningtheforeignbankswithabundancee
4、xperienceshavefocusedonthemarketofprivatebankingofChina.FacingwiththegrowingwealthmanagementneedsaswellasthecompetitionfromforeignbanksdevelopingprivatebankingbusinessofcommercialbankshasbecomeaninevitabletrendinChina.Itissignificantfortheaccelerationofbankingreandtheenhancementofcomprehensivecompet
5、itivenessofcommercialbankinginChinatostrengthentheresearchanddevelopmentofprivatebanking.andtheprivatebankingbusinessbecomesthecompetitivepointoftheforeignbanks.HoweverChinasprivatebankingbusinesshasjuststarted.AsthedeficiencyofChinasrelevantlawsandregulationsandthelossofChinascommercialbanksbytheex
6、istenceofitsownproblemsChinasbanksinprivatebankingbusinessisstillfacingmanydifficultiesandchallenges.Inthispaperwewilluseforeignadvancedexperiencesofprivatebankingthroughanalyzingthenecessityandfeasibilityofthedevelopmentofprivatebankingaswellastheproblemofpresentstagegivesomeadvicesforthedevelopmen
7、tofprivatebankingThispaperisdividedintofivechaptersontheprivatebankingbusinessofcommercialbanksconductedapreliminarystudy.Thefirstchapterisanintroduction.Introducestheresearchbackgroundandsignificanceofthedevelopmentofdomesticforeignprivatebanksontheresearchresultsandresearchs.Thesecondchapterintrod
8、ucesthetheoryoftheprivatebankingbusiness.TheconceptofprivateIIIbankingbusinessfromthedefinitionofstartingandthenanalyzestheprivatebankingclientsservicesandbusinesssegmentsandprivatebankingandwealthmanagementbusinessgueststhedifferencebetweenanalysisandclearlydefinedtheconceptofprivatebankingbusiness
9、.Thethirdchapteriscarriedoutbydomesticprivatebankingbusinesssituationandexistingproblems.AbriefintroductionoftheforeignprivatebanksinChinasdevelopmentsituationandthenwiththreedomesticcommercialbanks(BankofChinaChinaMerchantsBankandChinaConstructionBank)Developmentoftheprivatebankingbusinessanalysiso
10、fthedomesticcommercialbankstodevelopprivatebankingbusinessofthestatusquo.Finallytheanalysisbasedonthecurrentstateofdevelopmentthatdomesticcommercialbankstodevelopprivatebankingbusinessproblemtobesolved.Chapterfromexternalconstraintsandmarketdemandsofbothcommercialbanksinprivatebankingbusinessofthede
11、velopmentenvironment.Thefifthchapterpresentsconclusionsandrecommendations.BasedontheforegoinganalysisandresearchfromthemacroandthebanksthemselvestheCommercialBankofChinaputforwardcountermeasuresprivatebankingbusiness.Keywordsprivatebankingcommercialbankstatusquoexistingproblemsdevelopmentstrategy三三三
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