对我国私人银行业务发展存在问题的原因及对策分析

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题目 对我国私人银行业务发展存在问题的原因及

对策分析

The cause of the problems occurred in development of Private Banking Business in China and countermeasure analysis

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中文摘要

随着社会财富迅速积累，我国富裕阶层逐渐形成了非常具有潜力的私人银行客户群体，商业银行私人银行业务也步入了快速发展的轨道。但是由于我国的私人银行业务刚刚起步，受服务品种单一、结构不合理、营销体系不健全，售后服务不到位、人才不足、分业经营等因素制约，难以发挥应有的作用，与国外私人银行业务相比还存在明显不足。因此，我国私人银行亟需革新经营理念、健全营销体系、加强人才队伍建设并提升 自身的风险管理能力。本文在分析私人银行特点的基础上，提出私人银行在我国发展的必要性和紧迫性。并对我国私人银行业务发展现状进行分类描述进行分析，探讨我国私人银行业务发展的瓶颈，如环境因素受限多、制度因素不健全、银行相关业务发展滞后等。最后，结合我国实际情况，提出相关建议。

关键词 ：私人银行业务；高净值客户；商业银行

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ABSTRACT

Rapidly along with the social wealth accumulation, rich in our country gradually formed a very promising private banking customers, commercial Banks in China has embarked on a track of the rapid development of private banking business. But because of the private banking business has just started in our country, the service variety single, unreasonable structure, marketing system, after-sales service does not reach the designated position, talent shortage, decentralized management and other factors, is difficult to play their role, compared with foreign private banking business is also obviously deficiencies. Private Banks in China, therefore, in urgent need of innovation management idea, perfect marketing system, strengthening the construction of talent team and to improve its ability of risk management. In this paper, on the basis of analyzing the characteristics of the private Banks, private Banks in our country, discusses the necessity and urgency of the development. By the present situation of the development of private banking business in China are classified description and SWOT analysis, so as to explore China's private banking business development bottleneck: limited environmental factors, institutional factors is not sound, more bank related business development lag. Finally, combined with the actual situation in our country, from two aspects: the development environment and banking comprehensive quality put forward relevant strategies and Suggestions.

Key Words：Private banking business; high net worth individuals; commercial

bank

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目 录

一、引言 ............................................. 1 二、私人银行业务概述 ................................. 1

（一）私人银行的概念 ........................................... 2 （二）私人银行业务的主要内容 ................................... 2 （三）私人银行的业务特点 ....................................... 3

三、我国私人银行业务存在问题的原因分析 ............... 4

（一）分业经营限制 ............................................. 4 （二）外汇管理体制过于严格 ..................................... 5 （三）信息保密原则不到位 ....................................... 6 （四）会计税务制度不完备 ....................................... 6 （五）个人信用体系不完善 ....................................... 7 （六）缺乏专业高素质人才 ....................................... 7

四、我国私人银行业务发展的对策 ....................... 8

（一） 改革分业经营制度，提高产品竞争力 ................... 8 （二）适度放松外汇管制，规范境外投资行为 ....................... 9 （三）严格信息保密制度，确立私人财产保护 ....................... 9 （四）完善相关法律法规，健全会计税收制度 ...................... 10 （五）健全个人信用制度，完善个人征信系统 ...................... 10 （六）培养专业金融人才，提高从业人员素质 ...................... 11

五、结语 ............................................ 12 参考文献： .......................................... 13

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