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后金融危機時代我國中資私人銀行的發展策略.doc

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  • 更新時間:2014-05-10
  • 論文字數:13945
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摘要:隨著我國經濟的快速發展,金融投資市場的不斷完善,具有幾百年歷史的私人銀行開始進駐我國。作為一項相對獨立的具有高收益性的新興高端金融業務,各大外資銀行、中資銀行紛紛“搶灘”。然而,私人銀行剛在中國興起就遭遇了金融危機。盡管金融危機已經過去了將近五個年頭,但依然對我國私人銀行在的發展帶來影響。

   文章旨在對我國中資私人銀行如何在后金融危機時代打造出中國客戶需要的私人銀行進行深究,從其發展狀況入手,深入分析中國高凈值人群消費投資心理及中國財富分布趨勢,剖析阻礙中資私人銀行發展的因素,最后提出經營模式的過度、明確細分目標客戶的標準,培養本土高端金融人才,充分發揮零售銀行的協同作用,完善內部和外部的監管體系以及重視風險管理,讓中資私人銀行能夠深入中國客戶的投資理財領域,成為中國銀行界又一特色高端服務。

關鍵詞:后金融危機時代 ,中資私人銀行,目標客戶細分,反洗錢

 

Abstract:With the considerable economic development of China and the improving conditions of investing market, the hundred-year time-honored private banking began to enter our country. As a sort of relatively independent high-end service which is high profitable and prosperous, both foreign capital banks and domestic banks hope to snatch the market. China, however, suffered the financial crisis at the same time in 2008. Although the financial crisis had passed five years approximately, there still had been a range of impacts in the development of private banking in China. 

   Therefore, this article aims at studying how to make the domestic banks suitable for Chinese consumers in the empress financial crisis ages.  Researching the developing condition of domestic private banking firstly, then the essay would analyze high net-worth population’s consuming and investigating behaviors and the layout of wealth in China. In the next stage, the factors influencing domestic private banking should be explored. Eventually, gradually changing the business pattern, how to classify the customers specifically, fostering local elites, fulfilling synergistic effect of retail banking, completing supervision system domestically and externally and pay attention to investing management would be came up with in order to make domestic private banking perfectly.

Key words:   Empress financial crisis ages, Domestic private banking, Classifying target customers specifically, Anti-money laundering

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