基于社会关系嵌入的私人银行业务发展探究

Research on China private banking business development embedded social relationship

随着高净值人群的快速增长,我国私人银行业规模也迅速扩张,但同时遭遇服务供不应求、盈利状况不佳及客户群不稳定的发展瓶颈。基于我国特有的文化背景和私人银行客户群的特殊理财观,本文指出将社会关系嵌入私人银行服务的必要性及其在现实中的发展状况。细分客户群和提升专业服务能力是社会关系嵌入式的私人银行服务得以实施的基础。

As the number of high net worth individuals in China increases rapidly, private banking also has a fast business expansion along with difficulties of its service short supply,poor profitability and instable customer. It＇s necessary and realistic to embed social relationship in China private banking business considering of Culture with Chinese characteristics and special financial management views of customers, and it should be based on subdivided customer and improved professional service ability in existing China private banking.