【摘要】：私人銀行業(yè)務(wù)是指以財(cái)富管理為核心,面向高凈資產(chǎn)客戶所提供的頂級(jí)專(zhuān)業(yè)化的一攬子金融服務(wù),其已成為當(dāng)今國(guó)際知名商業(yè)銀行的戰(zhàn)略核心業(yè)務(wù)。私人銀行業(yè)務(wù)是國(guó)際商業(yè)銀行的高端業(yè)務(wù),也是我國(guó)商業(yè)銀行推動(dòng)經(jīng)營(yíng)轉(zhuǎn)型、向真正意義上的一流商業(yè)銀行過(guò)度必須要大力發(fā)展的業(yè)務(wù)。隨著市場(chǎng)經(jīng)濟(jì)的快速發(fā)展,中國(guó)已經(jīng)形成了一支在社會(huì)經(jīng)濟(jì)中越來(lái)越具有影響力的高收入群體,但由于缺失真正的私人銀行服務(wù),該群體日益增長(zhǎng)的財(cái)富管理需求難以得到有效滿足。金融全面開(kāi)放后,私人銀行在國(guó)內(nèi)具有廣闊的發(fā)展空間。本文詳細(xì)介紹了國(guó)際上商業(yè)銀行私人銀行業(yè)務(wù)的內(nèi)容、特點(diǎn)以及業(yè)務(wù)流程,并以瑞銀集團(tuán)私人銀行業(yè)務(wù)為例,研究其產(chǎn)品、特點(diǎn)、組織形式和重要經(jīng)營(yíng)方法。在此基礎(chǔ)上,客觀分析了我國(guó)當(dāng)前商業(yè)銀行私人銀行業(yè)務(wù)發(fā)展的現(xiàn)狀,進(jìn)而從組織形式、業(yè)務(wù)創(chuàng)新、人才培養(yǎng)、風(fēng)險(xiǎn)防范等方面提出了我國(guó)商業(yè)銀行發(fā)展私人銀行業(yè)務(wù)的思路與對(duì)策。
[Abstract]:Private banking refers to the top specialized financial services provided by the clients with high net assets with wealth management as the core. It has become the strategic core business of the international famous commercial banks. Private banking is the high-end business of international commercial banks, and it is also the business that our commercial banks must develop vigorously to promote the transformation of management to the real first-class commercial banks. With the rapid development of the market economy, China has formed a high-income group with more and more influence in the social economy, but due to the lack of real private banking services, The growing wealth management needs of this group are difficult to meet effectively. After the full opening of finance, private banks in China have a broad space for development. This paper introduces in detail the contents, characteristics and business process of private banking business of commercial banks in the world. Taking the private banking business of UBS Group as an example, this paper studies its products, characteristics, organization forms and important management methods. On this basis, this paper objectively analyzes the current situation of the private banking business development of commercial banks in China, and then from the organizational form, business innovation, talent training, This paper puts forward the ideas and countermeasures of developing private bank business in China's commercial banks from the aspects of risk prevention and so on.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.2

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