论我国私人银行业务的发展——基于目标客户的探讨

On Development of Private Banking Business in China--Based on Target Customers

作为专门向富有阶层提供的个人财产投资与管理服务,私人银行业务现已成为当今国际发达国家商业银行的战略核心业务之一。根据官方和私人机构的评估,中国私人财富市场潜力巨大,在金融危机背景下依然保持较为稳定的增长势头。但处在初级阶段的中国私人银行业务很难满足国内富裕家庭的需求。文章侧重于从目标客户的角度探讨中资私人银行的发展。

In developed countries, supplying service like individual property investment and management service forwealthy social groups is one of strategic core business of private banks. While in China, market of individual wealthhas great potential, but the business of private banks is still in primary stage and can not meet the demand ofdomestic wealthy households. The paper, based on theory of target customers, comes up with some ideas aboutdeveloping private bank service in China.