导　　师： 蓝海林

学科专业： 020205

授予学位： 硕士

作　　者： ;

机构地区： 华南理工大学

摘　　要： 近年来,中国的经济突飞猛进,实际的GDP成长持续飙升,由2005年的10.2/%到2008年的9/%,成长率领先全球。中国的改革开放及经济稳步增长带来了社会财富总量的迅速增加和个人财富的高度集中,已逐步形成私人银行业务的客户群。同时,中国银行业市场结构和汇率制度的改革等因素都为私人银行业务提供了广阔的发展空间。借鉴国际社会的经验可知,我国已步入私人银行业务迅速发展的阶段,研究私人银行业务,为我国金融工作的全新议题。 自十六世纪诞生以来,私人银行业务在欧美发展了三百多年,以其独特经营模式,一直占据着全球金融领域的顶端。外资银行的私人银行业务发展得时间长,规模大,内容丰富。私人银行业务是金融公司专门针对富人进行的一种私密性极强的以财富管理为核心的专业化一揽子个性化、全方位的高层次金融服务,其已成为当今国际知名商业银行的战略核心业务。 本文通过对中国私人银行市场的组织结构分析,展示中国私人银行的行业的现阶段客观情况。采用SCP、波特理论模型等管理分析工具,对市场的结构、市场参与者的行为和市场表现做出分析。我国银行业四大国有银行一直处于绝对垄断地位,私人银行业务的发展采用总分模式,减少管理层次,保持灵活性,是适合中国国情的私人银行业务发展之路。 Recently, china economy continued to outpace many economies. GDP did manage to produce growth from 10.2/% to 9/%, which was outstanding performance in the world at 2005 to 2008. Reform and opening up policy and China’s steady economic growth result in nation wide capital accumulation and individual wealth concentration, and create a large group of potential customers for private banking business. Meanwhile, other factors including China’s transformation in banking sector and exchange rate system bring out huge opportunities for private banking. Referring to the evolvement of international private banking, China’s private banking is almost around the corner. It is the pressing time to study the new business of China on share private banking sector. Since 16th century, Private banking business has been founded in Europe and America for more than 300years, It is unique business model bring the private banking to the top of banking sector. The private banking business is high level finance serves which is carried on by the financial institute specially aiming at the high net worth individuals, and take wealth management as the core. It has become the strategic core business of the global banks. According to China private banking structure research, this article shows China on share private banking market situation. In addition, this paper uses the SCP form and Michael Porter’s five force model, which have deeply research on market structure, conduct and performance. China commercial bank set up private banking with branch business model.

关 键 词： 中国 私人银行业务 竞争分析 范式 波特五力模型

分 类 号： [F832.2]

领　　域： [经济管理]