私人银行商业模式分析模型——ZS银行私人银行案例研究

Analysis of Business Model of Private Banking—— A Case Study of Private Banking of ZS Bank

私人银行同传统商业银行相比,有着自身独特的商业模式。私人银行既源于商业银行的零售银行业务,又在商业模式层面上区别于零售银行。然而,有关于私人银行的商业模式分析模型和分析方法,学术界鲜有学者投入研究,致使鲜有能准确、全面把握我国私人银行特点的研究文献出现。本文根据私人银行特点的提炼和商业模式相关研究框架,聚焦于私人银行"以客户为中心"的核心理念在商业模式层面的体现,创新性地提出了私人银行商业模式分析模型——同心圆模型。之后,使用该模型作为框架对ZS银行私行进行了案例研究,在一定程度上验证了模型适用性。

Compared with the traditional commercial bank, Private Banking has its own unique business model. The private banking was seen as a part of retail banking of commercial banks, but is different from retail banking in the aspect of business model. However, few scholars have researched into the business models of Private Banking, especially China＇s Private Banking. In this paper, we mainly propose a new analysis framework for the business model of Private Banking： Concentric Circles Model（‘CC Model＇ for short）. Based on existing frameworks of business models and the characteristics of Private Banking, ‘CC Model＇ focuses on the ‘customer-centricity＇ of Private Banking and integrates this principle into analysis of business model. Furthermore, we use ‘CC model＇ to explore ZS Bank as a case study, verifying the applicability of ‘CC model＇ to some extent.