Q Private Banking Development Present Situation, Problems And Countermeasures Research

With China’s reform and opening up, the realization of explosive economic growth, at the same time, the accumulation of the wealth of the Chinese people to get fast, so the demand for wealth management also will increase. How to reduce risk, realize the value of wealth, achieve the goal of wealth inheritance is at present a lot of high-end customers very urgent need to solve the problem. Therefore provide exclusive services to high net worth clients of the private banking business in China. Under the wave, the domestic private Banks facing unprecedented development opportunity.Private Banks first appeared in the 16th century in Geneva, Switzerland, in a foreign country has several hundred years of history, after several economic change, foreign private line has rich experience in wealth management. Private Banks in China, however, only less than a decade, is still in its beginning stage. Due to the private banking business in China, development time is shorter, so also faces many problems. Decentralized management, for example, due to domestic regulation, private Banks cannot undertake independent research and development products, can sell other products. In addition, foreign private bankers are with decades of rich experience in financial bankers, while in China because of private banking development time is shorter, practitioners are also young, inexperienced. Of the problems of domestic private banking business, there are many, all these problems limit the development of the domestic private Banks. This paper will through the research method of literature index method, the instance method carried on the analysis to the concept of private Banks, and then by using the experience of domestic and foreign private Banks development put forward the Q bank wealth management center and private Banks (hereinafter referred to as Q private bank) business development countermeasures and Suggestions. This paper also through the analysis of Q bank private bank business data, provides data support, for the development of domestic private Banks offer a certain reference.This thesis is divided into six parts altogether. The first chapter is introduction, mainly illustrates the thesis research background, significance and literature review at home and abroad. The second chapter expounds the concept of private Banks. The third chapter from the service system, service mode, customer structure, customer asset allocation, and so on and so forth, Q private banking development present situation were analyzed. The fourth chapter on the analysis of the Q bank based on the present development of private Banks, this paper expounds the Q Banks facing internal and external problems. The fifth chapter puts forward the Q private bank current development opportunities. According to chapter 6 Q private bank is facing problems and opportunities presented Q bank private bank business development of countermeasures and Suggestions.