A Study On The Development Strategy Of Bank 's Private Banking Business

Private banking is a retail commercial bank among architecture; it is a development direction of modern high-end personal banking business, which aims to wealth management for high-end customers to realize the value of its assets. As China’s economic growth continues to accelerate the development and continuous improvement of people’s living standards, people’s private wealth is also increasing, while stable and growing income and high income groups was significantly expanded, the private banking business from the West’s historic banking is gradually coming into the country. From the current stage, China’s commercial banks are not large on the private banking market positioning, lack of differentiation, which requires domestic commercial banks to strengthen innovation in the private banking business should be conducted not adhere to the traditional, based on long-term development. A bank offering private banking at the end of 2011, became the 14th bank with private banking among Chinese banks. However, A bank private banking model is still immature, and there are many problems to be solved. For example, the lack of diversity of product, the lack of high-level private banking personnel, the management system is imperfect, international network mode has not yet formed, lack of inadequate investment management capabilities.This paper aims to provide theoretical and practical basis for the A bank private banking business. Firstly, the current situation of domestic and foreign literature research methods private banking business to sort, sum up experience and enlightenment of domestic and international private banking business on this basis, to provide a reference for the development of A bank private banking, then, the paper will examine the current development A bank private banking business, and analyze the advantages and problems A bank private banking business development, finally, the paper argues that by strengthening brand management, products and services innovation, restructuring the organizational structure, marketing channels and channels optimization and promote the training of qualified personnel and other development strategies to solve the problems of A bank private banking development, to promote development of A bank private banking.