摘要
私人银行是指以财富管理为核心、面向社会富裕人士提供的一种个性化高端金融服务,其显著特点是根据客户需求提供量身定做的金融服务,并保证私密性。我国财富管理市场潜力巨大、需求极其旺盛,且中资银行在私人银行业务方面拥有比较优势,发展我国私人银行业务的前景广阔。但是,发展我国私人银行业务也面临着诸如服务理念落后、产品狭窄、专业人才匮乏、管理信息系统滞后等诸多制约因素。因此,我国银行业应营造正确的金融服务和金融消费理念,推进业务综合化、拓展金融产品,构建高效的人才机制和信息管理系统,加强与有丰富私人银行经验的外资银行的战略合作,以促进私人银行业务的发展。
Private banking is an individualized high - quality financial service offered for better off persons in the society centered with wealth management its prominent feature is an ordered financial service suitable for the demands of the customers, with confidential and private feature. There is a huge potential wealth management market with a huge demand in China, and China- funded banks have a comparative advantage in private banking business, and there is a good future for developing private banking in China. But it also faces such limiting factors as backward service concepts, narrow offer of products, lack of specialized talents, lagged behind management information system, etc. Therefore, it＇s necessary for China＇s banking industry to construct correct financial service and financial consumption ideas, to accelerate business synchronization with extension of financial products, to build highly effective talent mechanism and information management system, to strengthen cooperation of the foreign - funded banks with rich experience on private banking business, so as to promote the development of private banking business in China.
出处
《河南金融管理干部学院学报》
2007年第4期38-42,共5页
Journal of Henan College of Financial Management Cadres
关键词
私人银行业务
产品和服务
可行性
private banking business
production and service
feasibility
