私人银行业务发展的法律障碍及对策

The Legal Obstacles to the Development of Private Banking and the Countermeasures

私人银行业务在发展过程中,遇到了内部、社会、法律等多个方面的障碍。中国私人银行业务的发展需要监管部门的严格监督、立法部门的法律完善以及相关金融机构的大力协助,在外汇、反洗钱、境外投资等领域取得更大的进步。同时,私人银行也应当关注这种新兴服务方式带来的法律风险,采取合理有效的措施加以防范和化解,包括:建立和完善法律风险管理系统、技术系统与人员支持系统,通过特别机制鼓励银行积极承担反洗钱义务,实行混业经营、统一监管,放松外汇管制,规范境外投资,制定专门法律规范。

Private banking has eccountered internal, social, legal and other obstacles in the process of its development. The development of Chinese private banking needs the strict supervision of supervision institutions, the law improvement of legislative institutions and the strong assistance of relatated financial institutions so as to achieve greater progress in the fields of foreign exchange, anti-money laundering, overseas investment. Meanwhile, banks should pay attention to the legal risks of this new service and take reasonable and effective measures to prevent and eliminate risks. The measures include establishing and improving the systems of legal risk management, technology and staff support, encouraging banks to positively assume for the obligations of anti-money laundering, implementing diversified operation and unified supervision, relaxing foreign exchange controls, regulating overseas investment and drafting specialized laws and regulations.