本科论文摘 要随着我国将经济的快速发展，我国高净值人群的数量大幅、持续的增加，为满足高净值人群投资需求，我国的私人银行业务也开始逐步发展。虽然私人银行业务在我国也已经走过了近 20 个年头，但是相对于欧美国家的发展历程而言，还尚属起步阶段。本文对于我国商业银行的发展历史和现状进行梳理，以中国工商银行的产品和业务作为详细介绍的样本，针对今年来的银行数据与国内宏观数据进行分析，以此发现我国私人银行业务存在的问题，并判断未来我国私人银行业务的发展趋势业务走向，最后提出相对应的解决建议。关键词：金融改革；私人银行业务；中国工商银行本科论文AbstractWith the rapid development of China's economy, the number of people with high net worth has increased substantially and continuously. In order to meet the investment needs of people with high net worth, China's private banking business has begun to develop gradually. Although the private banking business has also gone through nearly 20 years in China, it is still in its infancy compared with the development of European and American countries. This paper combines the development history and current situation of China's commercial banks, takes the products and business of ICBC as the sample of detailed introduction. This paper will analyze the bank data and domestic macro data in this year, so as to find out the problems existing in China's private banking business, judge the development trend of China's private banking business in the future. Finally, solutions will be proposed.Key words: Financial reform, Private banking, Industrial Commercial Bank of China本科论文目 录前 言 .................................................................... 1 1 金融改革概述 ............................................................. 2 1.1 金融改革内容 ....................................................... 2 1.1.1 放开汇率管制 ................................................. 2 1....
