文档介绍：天津外国语大学滨海外事学院经济系本科生毕业论文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 作者刘烨学号 100664138 专业金融班级 100406 指导教师郭芳完成日期 2014/4/15 对我国私人银行业务发展存在问题的原因及对策分析 I 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;商业银行对我国私人银行业务发展存在问题的原因及对策分析 II ABSTRACT Rapidly along with the social wealth accumulation, rich inour country gradually formed a very promising private banking customers, commercial Banks in China has embarked ona 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 inour 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 isnot sound, more bank related business development lag. Finally, combined with the actual situation inour country, from two aspects: the