新形势下私人银行业务风险及发展思考

Thoughts on the risk and development of private banking business under the new situation

近年来,居民财富伴随着我国经济的增长而持续增加,为商业银行私人银行业务提供了发展机遇,产品和服务专业化程度不断提升,同时在技术赋能下服务模式不断创新,这也使得业务操作流程变得繁琐,风险隐患增多。为进一步提高私人银行业务风险识别能力和风险防控水平,文章拟通过阐述私人银行业务概念,厘清风险类别,梳理防范措施,并立足私人业务当前所面临的困境,展望发展趋势,以期能够提升私人银行业务风险管理成效,助力商业银行高质量发展。

in recent years, with the growth of China’s economy, residents’ wealth has continued to increase, which provides development opportunities for commercial banks’ private banking business, and the degree of specialization of products and services has been continuously improved.At the same time, the service mode has been continuously innovated under the enabling of technology, which also makes the business operation process cumbersome and the potential risks have increased.In order to further improve the risk identification ability of private banking business and the level of risk prevention and control, this paper intends to elaborate the concept of private banking business, clarify the risk categories, sort out the preventive measures, and look forward to the development trend based on the current difficulties faced by private banking business, in order to improve the effectiveness of risk management of private banking business and help the high-quality development of commercial banks.