Guo Tian Yong: The bank of foreign capital expands private bank domain again

Basis is calculated , now, global contract has 9000 thousand high end customers, the high end customer of the Chinese base of 2005 years has reached 200 thousand around. Never come to develop potentiality see , China will when future 5 to 10 harvest is that the private bank user on world measures biggest country.

Have set up national city bank of New York of private bank in China, the circle of horse race land is positive. In March of last year, Shanghai branch has set up the first private bank of colored flag in China, in May of this year, Beijing branch also formally pulls open the curtain of private bank. Related to national city bank of New York, personage shows when accepting newspaper reporter interview , will set up private bank in Guangzhou before end of the year.

Have not formally started private bank business remit plentiful bank Shanghai branch, show when accepting reporter interview: " China will be our one of future important private bank business market. Now, we are concentrating the market condition of assessment inland private bank , study a established suitable private bank business location. "

In in capital bank in, besides only trip,

Silver prison meeting for newspaper reporter expression, silver prison meeting opens private bank business for commercial bank hold encouragement attitude, and is establishing and perfecting superintendency system, related standard is enacted probably in year.

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Vice-president Tang Zhi Hong of China Merchants Bank has analysed to say: " in recent years, the average profit margin of annual American private bank business is as high as 35% , gets profit in average in year to increase 12% to 15% , is far better than general retail bank business. "

The profit of Gao E, add the huge potentiality

The economic central cities such as Shanghai and Beijing, have become each domestic bank nearly to blow the first bugle of loud private bank " stand for war Chang ". And how to lure limited high end customer resource in these cities, banks again cost to let thought push to display happen is new.

Recruit trip vice-president Tang Zhi Hong have shown: " when start stage, recruit guild to put forth effort diversification investment manages money to serve , cover family management, program, educational, tax affir, investment, real estate, collection and every professional fields such as legal adviser. "

It is many that all-around financial service makes customer be benefited naturally, the banking industry that may be at the same time also in divided operation still to China and divides field superintendency has brought not little challenge.

The field research center of Central University of Finance and Economics of Bank of China puts forward worry when director Guo Tian Yong accepts newspaper reporter interview: To fight for high end market, bank will try everything to make own service more all-around, some businesses have surpassed financial service scope. Bank each is Zheng, reserve customer through the innovation of the aspects such as product development, the condition of not join rule can appear unavoidably.

Under this kind of condition, the long-term development

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National city bank of New York when accept newspaper reporter interview, think silver prison meeting the standard that will soon enact , for normalizing market, meeting is very helpful, in the aspect of the people qualification and market access that not perfected at present still very much, can play the part of very positive role.

It is asked that the office of China Merchants Bank of head office even builds brightness Dr. to point out that now, China develops private bank field to put forward for the improvement of superintendency environment and financial environmental and consumer environment. Currently urgent matter is to drive forward synthesization operation, for bank, puting out have the financial product of vitality , remove the obstacles in large quantities especially across market and interdisciplinary product.

Because the field that private bank business covers is very extensive , includes investment , financing, insurance, consulting and the various businesses such as adviser, stride across many departments and business fields, it is considered still that for this, company build brightness, the development of private bank in China need to still improve the financial market of multiple level, construction and the risk superintendency of positive enforcement are paid to serve environment.

Guo Tian Yong gives view for reporter to say that superintendency organization enacts unified business standard , makes the development of private bank not only refer to international practice , may still take care of Chinese national conditions to go in , will be very important and necessary.

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