| The present paper penetration to Private banking service source area Switzerland and history of and present situation discussion the European and American Private banking service development, the coordinate field carries on the depth interview, carries on the comparison to Chinese and an Asian Private banking service more prosperous Singapore and Hong Kong, simultaneously carries on the discussion to countermeasure of the Chinese Present stage Development Private banking service, and analyzes the Bank of China entrepreneur to develop the superiority which the Private banking service possibly has; Finally will propose view of and the suggestion the future China Private banking service development.This research main findings are as follows: First, China compares in Hong Kong and Singapore, does not have the competitive advantage in the tax rate system and the financial commodity maturity aspect; And in foreign exchange control and financial control aspect then has the big difference with Hong Kong and Singapore. Second, the Chinese present stage the difficult position which faces in the Private banking service development includes: The tax system does not have the competitive power, the law not yet is complete, the foreign exchange control, the financial commodity limit, the financial talented person specialized ability insufficiency and property disposition ability maturity insufficiency and so on. Third, China develops the competitive advantage which the Private banking service market has to include: The high-net worth customer increases the speed quickly, the commercial bank wealth management service development is rapid. Fourth, China Future development the Private banking service might divide into the short-term, the intermediate stage and the long-range objective: (1) short-term goal carries on the European and American Private banking service operation way primarily, mainly provides the high end customer more comprehensive Private banking service; And hoped the Chinese finance supervising and managing authority can relax the financial control and the foreign exchange control gradually, will establish the future China to develop cornerstone of the Private banking service. (2) intermediate stage goal imitates Singapore primarily, the penetration government's strength impetus tax system reform, the supervising and managing system relaxation, the strengthening secrecy system as well as the expanded finance are open, building is advantageous environment of to the Private banking service development. Then (3) long-range objective take into the China financial center as the ultimate objective, because of the comprehensive financial opening and improvement, the building advantageous Private banking service development environment accumulation, the Private banking development difficult position the development Private banking service market experience, superiority and so on matching language and culture, the time can seize the Private banking service market, and takes advantage of this enables China to become the new Asian and Pacific financial center. |
