金融学院知识库

    随着国内经济进入到新的发展时期，城乡生活水平提升，高净值人群不断涌现，总体呈现上升的趋势，我国财富管理市场进入了黄金时期，对于财富管理的诸多要求也随之而来，财富的保值与增值需求加大，这也使得资管行业迎来新的挑战。在资管新规出台及金融市场竞争过大的情形下，充满挑战的“大资管”来到我们身边。大资管”时代的金融市场会发生以下两种变化，一是资产管理范围扩大，二是利率市场化变革。一方面，由于资管新规的出台，使得证券、期货等各类金融子行业纷纷加入到资产业务的经营中来，对于商业银行来说，必然将面临巨大挑战。另一方面来看，利率市场化的变革削减了商业银行传统业务的利润，为了填补这个缺口，自2007年起，各大商业银行纷纷推出了私人银行业务。在大资管时代背景下，私人银行业务在得到发展的同时也存在着竞争。为了在充满竞争的市场上赢得先机，转型势在必行。

    本文选取了招商银行S分行作为研究目标。首先深入分析国内外关于私人银行的文献综述，了解到私人银行业务发展的现状以及将来的趋势，揭示了国外私人银行业务发展经验对国内的启发，并具体的介绍了招商银行S分行私人银行业务发展现状；其次利用SWOT分析法对招商银行S分行私人银行业务转型的四个方面进行详细分析。深入剖析了该分行在私人银行业务发展方面不严谨的地方，为后续转型发展策略的制定打下基础；最后从团队建设、客户发展、产品服务及风险管理几个方面出发，提出招商银行S分行私人银行业务转型策略的实施方案及路径，以及相应的对策建议，这对我国私人银行业务的发展具有一定的参考意义。

      As the domestic economy has entered a new period of development, the living standards of urban and rural areas have been raised, and high-net-worth groups have emerged, showing an overall upward trend. China's wealth management market has entered a golden period, wealth Management for a number of requirements are also followed, the wealth of the preservation and increase in value demand, which also makes the asset management industry to meet new challenges. In the new regulations and Financial Market Competition is too large, full of challenges "big capital management" came to our side. In the era of big capital management, the following two kinds of changes will take place in the financial market, one is the expansion of the scope of asset management, the other is the reform of interest rate marketization. On the one hand, because of the new regulation, securities, futures and other financial sub-industries have joined the asset business, for commercial banks, will inevitably face huge challenges. On the other hand, the market-oriented reform of interest rates has reduced the profits of the traditional business of commercial banks. In order to fill the gap, since 2007, the major commercial banks have launched private banking business. In the era of big fund management, private banking business in the development of the same time there is competition. In order to gain a head start in a competitive market, transformation is imperative.

        In this paper, the s branch of China Merchants Bank is selected as the research target. First of all, this paper makes an in-depth analysis of the literature review on private banking at home and abroad, finds out the current situation and future trend of private banking business development, and reveals the enlightenment of Foreign Private Banking Business Development Experience to China, then it introduces the current situation of private banking business of s branch of China Merchants Bank, and analyzes four aspects of the transformation of private banking business of s branch of China Merchants Bank with SWOT analysis. In-depth analysis of the branch in Private Banking Business Development is not rigorous to lay the foundation for the later development strategy of the transformation; finally, from the team building, customer development, product services and risk management aspects, this paper puts forward the implementation plan and path of private banking business transformation strategy of s branch of China Merchants Bank, and corresponding countermeasures and suggestions, which has certain reference significance for the development of private banking business in China.