What private banks are there?

Question 1: Which private banks are ICBC, Agricultural Bank, China Bank and China Construction Bank? They are all joint-stock banks (the state holds a large share)?

Minsheng Bank, Huaxia Bank, China Everbright Bank, China Development Bank and China Merchants Bank. Commercial banks in all cities are also non-state-owned banks and joint-stock enterprises. At present, there are also wholly foreign-owned banks operating in China.

Question 2: What private banks are there in China? Private banks are a department of the banking system, not a single bank. The total assets of banks are required to reach a certain standard, and they can enjoy a series of VIP financial management and special courtesy. The significance of its existence is the bank's deposits and intermediary business income.

Question 3: Among the types of services provided by domestic private banks, which offshore funds are there?

OffshoreFund, also known as overseas fund, refers to an investment fund whose fund capital comes from abroad and invests in foreign securities markets. Its main function is to avoid the risk of a single domestic market and help customers allocate assets globally. According to the different registered places and pricing currencies of fund issuing companies, it can be divided into: funds raised by overseas fund companies, funds introduced by investment consulting companies established in China, and funds subscribed by domestic investors. Such funds are registered overseas, especially in some "tax havens", and are issued and raised by domestic fund companies to invest in overseas funds.

Global wealth protection

GlobalWealthSafeguard, setting up offshore private companies in overseas tax-free countries and regions is one of the important schemes, which is helpful for tax and estate planning. Its main function is to hold foreign currency deposits, securities investment, gold, real estate, land and other assets. If it is combined with family trust funds established overseas, the protection effect will be better.

Family trust fund

Family trust fund is also an effective way for private banks to protect customers' wealth. Trust fund is a legal relationship in which the trustor (the trustor) transfers the ownership of his property to the trustee (the bank), so that the trustee can hold and manage the trustor's assets (trust fund) for the benefit of the beneficiary according to the regulations of trust deed. According to the trust agreement, the trustee is the legal owner of the property and must manage the property according to the applicable laws and the terms of the trust agreement. Based on the beneficiary's legal right to own the trust property, and he must be responsible for the trust, only the beneficiary can implement the trust terms.

The contents of private banking services are very extensive, including asset management services, insurance services, trust services, tax consultation and planning, heritage consultation and planning, real estate consultation and so on. Every client has a dedicated wealth management team, including accountants, lawyers, financial management and insurance consultants. Generally speaking, private banks provide customers with one-to-one full-time account managers, and each account manager is supported by an investment team. Through an account manager, customers can manage various financial assets distributed in money market, capital market, insurance market, fund market, real estate, bulk commodities, private equity and so on.

Question 4: What is the use of the private bank of China Bank? It is an advanced bank card service for well-funded business people.

Question 5: What are the benefits of ICBC's private banking? Private banks have never been defined exactly. Generally speaking, it is a kind of financial service from cradle to grave, and it is a highly personal service specifically for the rich. It is necessary to tailor investment and wealth management products according to customers' needs, provide all-round investment and financing services for customers' investment enterprises, and provide education planning, immigration planning, reasonable tax avoidance, trust planning and other services for the rich and their families and children. According to the service classification of western banking industry, the first category is public bank, which does not limit the scale of customer assets; The second category is VIP bank, with customer assets exceeding $654.38+million; The third category is private banks, which require customers' assets to be above $654.38+$0 million; The fourth category is the family financial office, which requires customers' assets to be above $80 million. Of course, the minimum financial assets required by major international banks in different regions and different time periods are also slightly different. On March 20th, 2007, Bank of China announced the establishment of a private bank, which opened the prelude to the top wealth management service in China. In the following three years, private banks such as ICBC, China Merchants Bank, China Construction Bank, Bank of Communications, China CITIC Bank and Minsheng Bank were established one after another. ICBC's private banking business is a wealth management service provided by the bank to customers with personal financial assets of more than 8 million yuan, with customer demand as the guide, asset management as the core, consultation as the focus and information management as the guarantee. ICBC Private Bank is headquartered in Shanghai. At present, it has six branches: Beijing Branch, Shanghai Branch, Guangzhou Branch, Shenzhen Branch, Chengdu Branch and Nanjing Branch, which directly serve private banking customers. In the future, branches will be set up in other major cities in China according to the development of the market and customers. ICBC's five service series of private banks: financial services, in-depth understanding of customer needs and goals, and the use of various financial tools to formulate scientific financial plans to achieve healthy and sustainable financial goals. Daily financial services: based on ICBC's powerful retail banking platform, it provides customers with comprehensive "integrated" service solutions such as assets, liabilities, financing and settlement. Cash management service: fully integrate the cash flow of customers, families and their companies, design the whole process of account system and cash management scheme, realize the maximum collection and utilization of funds, and improve the use value of funds. Comprehensive wealth management planning: according to customer needs, make personalized investment planning, insurance planning, tax planning, wealth inheritance and retirement planning. Exclusive remote service: "Private Bank" provides customers with safe and convenient remote service, and customers can directly connect with the wealth consultant of "Private Bank" for business entrustment without leaving home. Asset management services prudently manage customers' financial assets according to their needs, and realize asset preservation, appreciation or specific target services. Exclusive products of "Elite Series": We carefully create investment products in various fields such as equity financing, equity investment, global investment, foreign currency investment, allocation investment, etc. to help customers realize diversified asset allocation. Open product platform: according to customer demand, find qualified investment products at home and abroad to realize the ultimate goal of wealth planning. Portfolio management service: manage the portfolio according to the investment objectives, income expectations and risk preferences of customers, provide customers with "integrated" suggestions for asset preservation, and balance investment income and risk. Consulting services are based on ICBC's excellent team of experts and strong partners, providing customers with all-round consulting services. Financial advisory services: provide investment advisory services such as securities, insurance, funds, futures, options, gold, foreign exchange and derivatives. Trust consulting service: cooperate with professional partners to provide trust consulting service according to customers' asset management needs. Business consulting services: provide professional information, tax consulting and real estate consulting services. Other consulting services: provide consulting services for customers to appreciate and collect works of art, and private value-added services provide personalized value-added services for customers to create high-quality private life. Children's wealth management education: cultivate children's wealth management awareness and skills in the form of lectures, summer camps, salons, etc., and lay a good foundation for wealth inheritance. Business social activities: Business social activities are carried out in the form of wealth forums and theme salons, and private social circle activities with the theme of fashion, sports, culture and entertainment are held to enhance communication and interaction between customers. Private business office services: >>

Question 6: There are several real private banks in China. There are no purely private banks in China for the time being. They are all five state-owned banks, nine commercial banks and local joint-stock banks.

Question 7: What are the private banking businesses of Minsheng Bank? See Minsheng bank official website: cmbc/gr _ cmbc/gr _ GB/siren.shtml.

Question 8: What are the main characteristics of private banks? What are the main characteristics of private banks?

1, the entry threshold is high, and the clients have certain limitations.

Private banks have set a high threshold for products and services, and marketing is mainly aimed at high-net-worth target customers. In foreign countries, the minimum amount of opening an account in a private bank is usually $654.38+$00,000, and the amount of each transaction is usually several hundred thousand dollars. In Swiss Bank, Citibank and HSBC, customers must have at least 1 10,000 USD of assets acceptable to banks before opening an account in the private banking department. At present, ICBC, Bank of China, China Construction Bank, CITIC, China Merchants Bank and Bank of Communications have all established private banking services in China, and all have certain requirements for their customers' financial assets.

2. Diversification of product types requires highly specialized and personalized services.

In order to meet the complex and diverse financial needs of customers and extend the value chain of customer relationship, private banking has formed a diversified product structure: first, to formulate comprehensive and personalized financial planning according to customers' financial needs; The second is the asset management business, which helps customers realize the preservation and appreciation of assets through personalized portfolio management; The third is trust and real estate business, which provides guarantee for the property management of customers and arranges assets according to customers' expectations; The fourth is to provide customers with services such as bulk commodities and offshore finance; The fifth is to provide consulting services in the fields of insurance, finance, taxation and investment (including real estate, antique calligraphy and painting, etc.). ) and law.

3. Private banking needs a high risk prevention and management system.

The risks faced by banks in developing private banking business are mainly reputation risk, money laundering risk, operational risk and compliance risk. The first is customer risk, which requires understanding and analyzing customers' wealth and sources of funds, comprehensively evaluating customers' political risk, money laundering risk and fraud risk, and understanding the authenticity of customers' assets; Secondly, banks need to manage the risks borne by customers, which are mainly reflected in the risks of product management. These risks are directly borne by customers and indirectly affect the reputation risk of banks. It also includes managing employees well to avoid moral hazard and compliance risk in selling products. Finally, private banking should control the risks borne by banks, including credit risk when providing financing support to customers, operational risk and reputation risk when providing value-added services to customers.

Question 9: What are the famous private banks in the world and China? Private banks are specialized in providing property custody services for high-income people.