浅析我国私人银行业务的发展问题

由于体制和管理的欠缺，我国银行业普遍存在经营效益差和不良资产高的问题．大额的不良资产已成为威胁金融体系安全的核心问题。但遗憾的是．在西方如日中天的私人银行业务在我国尚未形成市场，目前国有商业银行尚无一家成立了专门的私人银行部。由于私人银行业务的落后，国有商业银行白白损失了大量的中间收益。本文评介了西方商业银行私人银行业务的特点和运作方式，探索了西方商业银行私人银行业务在中国开展的必要性和可行性。

On development of private banking services in China

Owing to the defected system and management, all the Chinese banks are confronted with the problem of low profit and high problem loans. The big problem loans have become a core problem endangering the financial system. However, the flouring private banking services in the West have not found its market in China. None of the Chinese commercial banks has established a private banking service department. Thus, State commercial banks have lost a great deal of intermediary profit. The paper studies the features and operating modes of Western commercial banks and expounds the necessity and possibility of offering private bank service in China.