文档介绍：高端个人客户金融需求及商业银行对策研
摘要:客户需求是商业银行服务的前提和基础,高端个人客户是商业银行个人银行业务的主要利润来源｡只有认真分析和考察高端个人客户的需求特征,才能更好地把握和满足高端个人客户的金融需求,有效拓展商业银行的利润空间｡高端个人客户需求特征日益多元化,有望形成新的金融需求｡从经营理念､金融产品､金融服务等方面,适应客户需求,创造并挖掘客户价值,在满足高端个人客户需求中实现自身发展｡
关键词:高端个人客户;金融需求;商业银行;金融服务
Abstract:Customer’s demand is a prerequisite and foundation mercial bank’s service. Large-scaled individual customer is the major source of profit mercial bank’s individual banking business. Only by carefully analyzing and investigating large-scaled individual customer’s demand features, mercial banks do better in satisfying large-scaled individual customer’s financial demand and swell their profits in an effective way. It is believed that large-scaled individual customer’s demand will naturally develop into new-typed financial demand with the diversification of its features. Commercial banks must give priority to management idea, financial product and financial service, fit in with customer’s demand, cherish customer’s value and achieve their own development in the course of satisfying large-scaled individual customer’s demand.
Key words: large-scaled individual customer; financial demand; commercial bank; financial service

个人金融业务是商业银行的发展方向,高端个人客户又是个人银行业务的主要利润来源｡据统计,花旗集团50%以上
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的营业收入来自对个人客户的服务,香港恒生银行的个人金融业务对全行利润的贡献率也在48%以上
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｡人民群众日益殷实的小康生活,高收入个人群体的壮大,为商业银行的个人金融业务带来了越来越广阔的市场空间｡只有认真分析和考察高端个人客户的需求特征,才能更好地把握和满足高端