本文分为5章,第1章阐述了文章研究的目的和意义,介绍了国内外学者关于个人财
富管理业务的相关研究成果,引出了本文需要解决的关键问题。第2章介绍了个人财富管
理的内含、外延和发展历程,在概念和背景上为下文做了铺垫。第3章着重分析了我国商
业银行个人财富管理业务的发展现状和存在的问题,从必要性、需求分析、供给分析、经
营模式等方面分析了现状;从宏观认识、从业人员素质和管理机制等方面揭露了问题。第
第4章运用了列举分析方法,分析了发达国家优秀商业银行个人财富管理的先进经验,进
而找出对我国商业银行个人财富管理业务的借鉴与启示
通过前4章的分析,第5章提出了促进我国商业银行个人财富管理业务的对策建议
首先,建立个人财富管理品牌,打造品牌文化。其次,制定高端客户拓展战略,有针对性
拓展高端客户。再次,增强财富管理专家团队的整体能力。第四,切实提升产品的竞争力
第五,提升理财品牌的市场竞争力。最后,优化考核激励体系
综上,本文使用了大量的数据,从研究背景、研究方法、研究目的出发,分析了我国
的现状、提出了存在的问题、对比和借鉴了国外先进实例,最终提出了符合实际的对策和
建议
关键词:财富管理经营模式私人银行
Abstract
Abstract
Since the socialist market economy in China has developed for 30 years, it has attracted
worldwide attention. China has become the most powerful economy in the third world at one fell
swoop. China&39;s economy is still developing steadily. Relative to the period of reform and
opening up, the material living standards of the people have already improved substantially. In
the past China’s economy is the basic pattern of monopoly of state-owned enterprises,with the
deepening of economic reform, private and individual industry has played the great role in the
economic development, not only brought a large number of employment opportunities, and made
great contribution to the growth of national income. What follows is a great change in the rules
of income distribution,and a diverse pattern of income distribution begins to rise. Although the
income of residents has increased substantially,but the concept of consumption is generally
conservative,so the growth of deposits of residents is rising. Then the common people have to
face one problem is the maintenance and appreciation of personal property, because the personal
assets are increasing, but the rate of inflation is also rising.
This article is divided into five chapters, the first chapter expoxinds the purpose and
significance of the research, and introduce the related research results of domestic and foreign
scholars on personal wealth management business, leads to the key problems that need to be
solved in this article. The second chapter introduces the connotation, extension and development
process of personal wealth management, and makes some suggestions on the concept and
background. The third chapter focuses on the analysis of the current situation and the existing
problems of the personal wealth management business of commercial banks in China,analyse
from the aspects of tiie necessity, demand, supply, operation mode of the current situation;
exposing the problem from the aspect of macroscopic understanding, the quality of employees
and management mechanism. The fourth chapter uses tixe enxmierated analysis method, analyzes
the advanced experience of the individual wealth management of the outstanding commercial
banks in developed countries, and then finds out the reference and inspiration for the personal
wealth management business of Chinas commercial banks.
Abstract
Through the analysis of the first four chapters,the fifth chapter puts forward
countermeasures and suggestions to promote the personal wealth management business of
commercial banks in China. First of all, establish personal wealth management brand, build
brand culture. Secondly, develop high-end customer development strategy, targeted to expand
high-end customers. Thirdly, enhance the overall ability of the wealth management expert team.
Fourth, enhance the competitiveness of products effectively. Fifth,enhance the market
competitiveness of financial brands. Finally, optimize the examination incentive system.
In summary, this article uses a large number of data, starting from the research background,
research purposes, research methods, analyse the current situation of China, put forward the
existing problems, contrast and draw lessons from foreign advanced examples, and finally put
forward the cxjuntermeasures and suggestions in line with reality.
Key Word￥:Wealth management. Operation mode, Private banking
ss
目录
第1章导论 1
1.1研究的目的和意义1.1.1研究的目的1.1.2研宄的意义1.2国内外研宄综述 2
1.2.1国外研宄综述1.2.2国内研宄综述1.3研宄方法和内容 3
1.3.1研宄方法 3
1.3.2研究目标、研究内容和拟解决的关键问题1.4创新点和不足之处1.4.1创新点 4
1.4.2不足之处 4
第2章商业银行个人财富管理的概念界定和发展历程2.1个人财富管理的定义2.2个人财富管理的范围2.3个人财富管理的发展历史2.4我国商业银行个人财富管理发展历程第3章我国商业银行个人财富管理的发展现状及存在的问题3.1我国商业银行发展个人财富管理的必要性3.2我国商业银行个人财富管理的需求分析3.2.1目标市场3.2.2市场需求3.3我国商业银行个人财富管理的供给分析3.3.1管理机构3.3.2产品服务组成
21
3.4我国商业银行个人财富管理的经营模式
22
3.4.1主要经营内容
22
3.4.2财富管理平台的开发
23
3.4.3兼业合作模式
24
3.5我国商业银行个人财富管理存在的问题
25
3.5.1宏观认识有问题
25
3.5.2从业人员素质有问题
26
3.5.3银行管理机制有问题
27
第4章国外商业银行个人财富管理经验借鉴
31
4.1国外实例 31
4.1.1瑞银集团
31
4.1.2花旗集团
32
4.1.3汇丰银行
33
4.2借鉴与启示 35
第5章我国商业银行个人财富管理的对策建议
37
5.1建立个人财富管理品牌
37
5.2高端客户拓展战略
38
5.2.1定位高端客户群体
38
5.2.2充分掌握高端客户的投资偏好
38
5.2.3实事求是设定高端客户的准入标准
39
5.2.4建设高端客户基础资料库
40
5.2.5优化财富管理系统
40
5.3增强财富管理专家团队的整体能力
41
5.4切实提升产品的竞争力
41
5.5提升理财品牌的市场竞争力
42
5.6优化考核激励体系
43
捕 44
46
个人简历 47
在学期间发表的学术论文与研究成果
48
第1章导论
第1章导论
1.1研究的目的和意义
1.1.1研宄的目的
我国社会主义市场经济发展30年以来,获得了举世瞩目的成果。中国一举成为第三世
界国家中最强大的经济体,中国的经济仍在平稳的发展,相对于刚刚改革开放时期,国民
的物质生活水平已经发生了本质的提升。过去我国经济是国有企业基本垄断格局,随着经
济体制改革的不断深入,私营和个体行业在经济发展中的作用越来越大,不但带来了大量
的就业机会,而且为国民收入的增长贡献了巨大力量。随之而来发生巨大变化的的是收入
分配的规则,多样化的收入分配模式开始兴起。居民的收入虽然大幅增加,但消费观念普
遍比较保守,所以居民的存款增长迅速。然后老百姓不得不面临的一个问题就是个人财产
的保值和增值,因为个人资产虽然增加但通货膨胀率也不断上升。本文将围绕对我国商业
银行个人财富管理问题进行研究,从国外和国内商业银行处获取启示,提出适合其的对策
建议
1.1.2研宄的意义
中国财富管理市场的潜力巨大,国内商业银行如何在市场竞争中有所建树,是当下需
要考虑的关键问题。当前,财富管理业务是战略性业务,他的未来如何发展是一个战略问
题,正是这样才给中资商业银行的转型带来了压力,他决定了转型能否成功。一方面,高
端客户的需求日益复杂和个性化,想要为他们提供全面周到的财富管理方案,必须要改善
服务环境、提升服务水平;另一方面,银行自身的利润水平需要提高,一些新兴业务的中
间业务收入只有通过开展
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