商业银行的私人银行业务发展现状与对策

内容摘要

随着经济的飞速发展，我国国民收入和居民财富不断增加，大规模的富人阶层对资产的社会管理需求日益增大；而根据二八原理，这些富裕、高端、优质的客户能为银行带来80﹪的利润，是银行发展的核心所在。因此，作为专门向富人阶层提供个人财产投资与管理服务的私人银行业务，便成为了中外银行市场竞争的战略核心。随着我国金融业的全面开放，拥有丰富经验的外资银行已经瞄准了具有巨大潜力的我国私人银行业务市场，而我国商业银行的私人银行业务还未完全展开。本文在对私人银行业务理论介绍之上，对我国私人银行业务存在的问题进行深入分析，并借鉴国外私人银行业务的成熟经验和先进理念，合理的提出发展我国商业银行私人银行业务的有效对策。

关键词：商业银行   私人银行业务   发展对策
Commercial Banks to Develop the Private Banking Business Present Situation and Countermeasures

Abstract

With the rapid development of economy, China's national income and the residents ever-increasing wealth, the rich class of large-scale asset management needs of the growing community; and in accordance with Principle 28, these rich, high-end, high-quality customers to the bank with to 80% of the profits, is the core of the development banks. Therefore, as a specialized class to the rich to provide personal property management services for investment and private banking, foreign banks have become the nucleus of a strategy of market competition. With the full liberalization of the financial industry, with extensive experience in foreign banks have been aimed at the great potential of China's private banking market, China's commercial banks and private banking business had yet to be fully carried out. In this paper, the theory of the private banking business, introduced above, the existence of China's private banking business to conduct in-depth analysis of issues and foreign private banking experience and advanced the idea of a mature and rational development of China's commercial banks to the private banking business of effective countermeasures.

Key words：commercial banks   private banking   development strategies

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