私人银行客户风险评价指标体系研究
Research on risk assessment system of private banking clients
Abstract
私人银行业务最早发端于16世纪的欧洲，经过几百年的发展，已经发展成为专门为富裕人群提供专业、私密、个性化的综合服务。中国改革开放30年来，伴随中国经济的飞速发展，国内富裕人士迅速崛起，中国大陆私人银行业务逐渐兴起。从2007年开始国内私人银行业务发端，经过五年多的发展，整个行业的发展呈现规模急剧扩张、竞争日益激烈、产品日益丰富的态势。随着业务的发展，私人银行业务的复杂性、高收益性和高风险性的特点逐渐显现，风险管理成为私人银行业务的新兴课题。国内学者的研究更多在于关注私人银行自身所面临的风险，对于客户面临的风险较少有人涉及。如何在私人银行业务开展中，快速识别客户风险，制定全面风险管理方案，实现私... Private banking was originated in the 16th century in Europe. After several years of development, it has become to provide professional, private, personalized and integrated services for wealthy people exclusively. In China reforming and opening up 30 years, Chinese economic has developed rapidly. As soon as rising of domestic wealthy individuals, private banking in China mainland gradually rise. ...