我国私人银行业务发展的策略研究.doc

摘 要:我国经济持续稳定的发展，尤其是经济全球化、资源配置全球化的不断深化，我国的富裕人群日益壮大，为我国商业银行发展私人银行业务奠定了基础。私人银行业务是商业银行面向富裕人群提供的一种私密性极强的金融理财服务，它主要是根据客户的需求，为客户量身定制特色化的金融服务。国外的私人银行业务具有悠久的发展历史，而我国才刚刚起步，外资银行成熟的发展经验和丰富的产品种类都值得我们借鉴。但是，我国的金融制度、客户结构、金融服务水平、相关法律法规等都对私人银行业务的发展起到了一定的制约，因此，我们必须探索出一条符合我国金融发展程度、适应我国国情的私人银行发展之路。

　　　国内银行专业人才匮乏、产品研发能力有限、技术服务水平落后等因素，严重阻碍了我国私人银行业务的发展。针对这些问题，我国必须采取切实有效的对策。一方面要改革和完善相关的法律法规、给私人银行的发展创造有利的环境。另一方面，国内银行要加强专业人才的培养，加强金融产品的研发力度，提高技术水平和服务质量，构建科学制衡的风险管理控制体系，营造全员、全方位、全过程的私人银行风险管理氛围。

关键词：私人银行；富裕人群；对策

Abstract:Sustained and stable development of China's economy, especially in the economic globalization, resource allocation deepening globalization, China's growing affluent population, the development of China's commercial banks to the private banking business foundation. Private banking is a commercial bank for affluent people to provide a highly private financial planning services, which are mainly based on customer demand for customized characteristics of the financial services. Foreign private banking business has a long history of development, and China has just started, foreign banks mature development experience and extensive product offerings are worth learning from. However, China's financial system, the customer structure, financial services, relevant laws and regulations and so on private banking business has played a certain constraints, so we have to explore a line with China's level of financial development, adapt to China's national conditions Private Bank development.

　　　Banks of China lack of professionals, product development capacity is limited, technical services lags behind other factors, a serious impediment to the development of our private banking business. To solve these problems, we must take practical and effective measures. On the one hand to reform and improve relevant laws and regulations, the development of private banks to create a favorable environment. On the other hand, domestic banks should strengthen the training of professionals and strengthen financial product development efforts, improve the technical level and quality of service, build a scientific risk management and control system of checks and balances, creating full, round, the whole process of private banks' risk management atmosphere.

Keywords: Private banking；Affluent；Countermeasure