我国私人银行业务的风险现状及应对策略

The Current Situation of Risks of China’s Private Banking and Countermeasures

自2007年中国银行建立私人银行部门起,我国私人银行业务已经有了长足的发展,但与此同时也积累了许多风险隐患。目前我国私人银行业务面临的风险主要为操作风险、合规风险和声誉风险,分别源于私人银行产品驱动的运作模式、专业人才的短缺、法律法规的缺失、个人信用体系的不完善、客户的评价以及其他风险转移。针对这些风险,本文从产品、员工、客户、风险管理体系以及法律法规五个方面提出了应对策略。

Great progress has made in China’s private banking business ever since the establishment of private banking section in the Central Bank of China in 2007.Yet lots of hazards have been triggered in terms of operational risks,compliance ones and reputation ones.They are re spectively stemmed from the product-driven mode of operation,the shortage of the talents,the lack of laws and regulations,the imperfect individual credit system and customer evaluation and other risk transfers.In response to these risks,the article puts forward countermeasures from five aspects in terms of products,employees,customers,risk management system and laws and regulations.