摘要：私人银行业起源于瑞士的日内瓦，其在中国的发展是从2007年中国银行正式成立私人银行部开始，到目前为止已有将近七年之久。随着中国经济的不断发展，我国富裕人群数量快速增加。私人银行业的出现，为这些人群提供了专业的管理资产以及财产增值服务，满足了他们高层次的投资理财需求。但是，由于受到我国总体经济环境和商业银行内部问题的影响，目前我国商业银行在开展私人银行业务时存在许多问题，也面临着巨大的挑战。他山之石，可以攻玉。汇丰集团私人银行在世界私人银行业中极具特色。本文通过分析中国私人银行业的发展现状以及开展过程中存在的问题，借鉴汇丰私人银行的成功经验，探讨如何解决现阶段中资私人银行业务存在的问题，并对今后的发展策略作了一定探析。
关键词：私人银行业 商业银行 汇丰银行
Abstract: Private banking originated in Geneva, Switzerland. In China, private banking has developed for nearly seven years, from 2007, in which year the Bank of China formalized the Private Banking Department. With the development of China’s economy, the number of affluent population in China increases dramatically. Private bankings offers professional services of asset management and appreciation to those people, meeting their requirements of investing and financing in a high level. However, under the influence of the China’s economic environment and internal problems in commercial banks, there are a lot of problems and challenges of China’s private banking business at present. The jade may be refined from stones coming from other hills. HSBC Group Private Bank is quite unique in the world of private banking. So through analyzing the current situation of China’s private banking and problems during the process, this thesis uses the experience of HSBC Group Private Bank for reference to discuss how to solve those problems in Chinese private banking business and how to develop in the future.
Key words: private banking commercial bank HSBC Group
