私人银行：现代商业银行的战略核心业务

私人银行是指以财富管理为核心,面向高净资产客户所提供的顶级专业化的一揽子金融服务,其已成为当今国际知名商业银行的战略核心业务。以家庭办公室为主要组织形式,向富裕人士提供高品质金融服务,是私人银行的重要特征。随着市场经济的快速发展,中国已经形成了一支在社会经济中越来越具有影响力的高收入群体,但由于缺失真正的私人银行服务,该群体日益增长的财富管理需求难以得到有效满足。金融全面开放后,私人银行在国内具有广阔的发展空间。

Private Banking: Core Strategic Business of Modern Commercial Banks

Private banking,which is discussed in this paper,refers to the package of supreme professional financial services which are surrounding wealth management and are supplied to high net worth individuals(HNWIs).Nowadays,private banking has grown into the core strategic business of distinguished commercial banks.Taking family offices as main means,supplying HNWIs with supreme financial services,are key characteristics of private banking.With the swift development of market economy,in China there has formed a group of HNWIs,which is getting more and more influential in social economy.However,owing to there lacking genuine private banking services,the increasing demand for wealth management of that group cannot be satisfied at all.Therefore,there will be a great development space for private banking in China after fully open-up of Chinese financial industry.