商业银行私人银行业务发展问题研究毕业论文.doc

毕业论文 （2010届） 商业银行私人银行业务发展问题研究 摘 要 随着中国国内的富裕群体不断上升，其金融需求也在不断高涨，中国国内私人银行业务的市场潜力，无疑是摆在中、外银行面前的一块巨大蛋糕。中国的商业银行能否在国际的激烈竞争中分取这块蛋糕，这就对中国国内商业银行的私人银行业务服务能力和水平提出了要求。然而，在我国，私人银行还是一项崭新的前沿业务，面对如此庞大的财富，相关的金融投资产品却相当之少。中国银行作为我国最早推行私人银行业务的银行，对其私人银行业务发展现状和问题的研究有助于了解我国私人银行业务发展中普遍存在的问题，对其存在问题的研究以及解决问题措施的提出，有利于中国银行私人银行业务更加良好的发展，有利于我国商业银行私人银行业务水平的普遍提高，有利于优化我国私人银行业务发展的环境。本文通过对我国私人银行业务现状和中国银行私人银行现状的研究中找出影响中国银行私人银行业务发展中存在的自身和外部的问题，并通过中国银行的私人银行理财产品进行具体的分析。最后依据具体问题提出可行性的措施，提高中国银行私人银行业务的综合竞争力，创造利润。 关键词：Abstract With Chinas domestic wealthy group rising, its financial demand is also rising, Chinas domestic private banking market potential, is undoubtedly in front of the bank, and is a huge cake. Chinas commercial Banks can fierce competition in international divided this cake, this to the Chinese domestic commercial banks private banking service ability and the level set the requirements. However, in our country, the private Banks or a new frontier business, in the face of such a vast wealth, related financial investment products is rather little. The bank of China as the private banking business in China implemented the bank, the private banking development situation and problems in the research will help understand the private banking business development in the common problems of the research on the existing problems and problem solving measures proposed to the bank of China, the private banking business more good development, be helpful for our country commercial bank private banking level of general improvement in China, to optimize the development of the private banking business environment. This paper analyses the present situation and the private banking business bank of China private Banks in the research of the current situation affecting the bank of China private banking existing in the development of oneself and external problems, and through the bank of Chinas private bank financial product specific analyses. Finally the feasibility of the proposed according to specific problem