经济系本科生**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 analys**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abstractrapidly along with the social wealth accumulation, rich in our country gradually formed a very prom**ing private banking customers, commercial banks in china has embarked on a track of the rapid development of private banking business. but because of the private banking business has 20210311