基于客户需求特征的中资私人银行业务发展策略研究

Private Banking Business Development Strategy for Chinese Bank:A Research Based on Customer Demand Characteristics

近年来,随着我国经济的快速发展,高收入人群规模迅速扩大,同时富裕人群对财富管理的需求也日益复杂,但我国私人银行发展仍有诸多不足。如何抓住客户需求及私人财富快速成长的机遇,对转型中的中资银行至关重要。本文通过分析发现,高净值客户的需求呈现出投资领域多元化、产品服务定制化、投资视野国际化、投资需求综合化、风险偏好提高化的趋势。基于此,本文结合中资私人银行存在的问题,为其未来的发展提出针对性的策略建议。

With the fast development of Chinese economic in recent years, the high-income stratum has enlarged constantly, and the demands of wealth management services in rich people have become much more complex. But there are still many deficiencies faced by Chinese private bank. How to seize the opportunity of clients’ demand and the rapid growth of their wealth is crucial for Chinese Banks in the future development and transformation. Through analyzing the behavior of high net worth clients, it is found that their demand will be continually partial to diversification of investment areas, customization of products and services, internationalization of investment horizons, comprehensive investment demand, and increased risk appetite. Based on the developing trend of high net clients’ demands and deficiencies of Chinese banks, this article is going to put forward specific suggestions for the development of Chinese private banking in the future.