资管新规下我国私人银行业务的发展方向

On the Development of Private Banking under the New Regulations of Assets Management

近来我国资管新规出台,私人银行业务将面临更严厉的监管约束。在此背景下,重新审视私人银行业务,理清业务发展思路,明确未来发展方向,对私人银行的稳健发展意义重大。本文从我国私人银行发展现状入手,具体分析私人银行传统经营模式与资管新规的冲突及其自身局限性,进而提出私人银行应积极转型净值,强化合规意识;拓展获客渠道,细分客户需求;多元配置资产,优化产品服务;做好客户调查,健全风控机制;运用金融科技,促进业务升级等多项建议,旨在推动私人银行业务转型升级。

Along with the promulgation of the new regulations on assets management,private banking is undergoing rigid supervision.Under this circumstance,it is significant for the steady development of private banking by re-examining private banking businesses,reshaping the ideas of development,clarifying its orientation in future.The paper starts with its current development,analyzing the conflicts between its traditional development modes and new regulation,and its own limitations,and then it proposes to transform the private banking business into net value,to highlight the compliance;to broaden the channels of attracting new customers and customizing their needs;to diversify the portfolio and optimize the products and services;to better the customer surveys and perfect the risk management;to apply financial IT to upgrade the services,and so on.All these are to promote the businesses transformation and upgrading.