后金融危机时代我国中资私人银行的发展策略.doc

摘要:随着我国经济的快速发展，金融投资市场的不断完善，具有几百年历史的私人银行开始进驻我国。作为一项相对独立的具有高收益性的新兴高端金融业务，各大外资银行、中资银行纷纷“抢滩”。然而，私人银行刚在中国兴起就遭遇了金融危机。尽管金融危机已经过去了将近五个年头，但依然对我国私人银行在的发展带来影响。

　　　文章旨在对我国中资私人银行如何在后金融危机时代打造出中国客户需要的私人银行进行深究，从其发展状况入手，深入分析中国高净值人群消费投资心理及中国财富分布趋势，剖析阻碍中资私人银行发展的因素，最后提出经营模式的过度、明确细分目标客户的标准，培养本土高端金融人才，充分发挥零售银行的协同作用，完善内部和外部的监管体系以及重视风险管理，让中资私人银行能够深入中国客户的投资理财领域，成为中国银行界又一特色高端服务。

关键词：后金融危机时代 ，中资私人银行，目标客户细分，反洗钱

Abstract:With the considerable economic development of China and the improving conditions of investing market, the hundred-year time-honored private banking began to enter our country. As a sort of relatively independent high-end service which is high profitable and prosperous, both foreign capital banks and domestic banks hope to snatch the market. China, however, suffered the financial crisis at the same time in 2008. Although the financial crisis had passed five years approximately, there still had been a range of impacts in the development of private banking in China. 

　　　Therefore, this article aims at studying how to make the domestic banks suitable for Chinese consumers in the empress financial crisis ages.  Researching the developing condition of domestic private banking firstly, then the essay would analyze high net-worth population’s consuming and investigating behaviors and the layout of wealth in China. In the next stage, the factors influencing domestic private banking should be explored. Eventually, gradually changing the business pattern, how to classify the customers specifically, fostering local elites, fulfilling synergistic effect of retail banking, completing supervision system domestically and externally and pay attention to investing management would be came up with in order to make domestic private banking perfectly.

Key words:   Empress financial crisis ages, Domestic private banking, Classifying target customers specifically, Anti-money laundering