Question 1: Which private banks include Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and China Construction Bank? They are all joint-stock banks now (the state holds the majority share)

Minsheng Bank, Hua Xia Bank, Everbright Bank, Development Bank, China Merchants Bank. Commercial banks in various cities are also non-state-owned banks. All non-state-owned banks are joint-stock enterprises. Currently, there are also wholly foreign-owned banks operating in the country

Question 2: my country’s state-owned banks Which private banks are private banks? A private bank is a department of the banking system, not a separate bank. It requires the total assets of the bank to reach a certain standard and can enjoy a series of VIP financial management and special privileges. The significance of its existence is to attract bank deposits and generate intermediary business income.

Question 3: What are the types of offshore funds provided by private banks in my country?

Offshore funds (OffshoreFund), also known as overseas funds, refer to fund capital originating from abroad. , and investment funds that invest in foreign securities markets. Its main function is to avoid risks in the domestic single market and help customers conduct global asset allocation. According to the registration place of the fund issuing company and the pricing currency, it can be divided into: funds issued and raised by foreign fund companies, introduced through investment consulting companies established in the country, and subscribed by domestic investors. Such funds are registered in Overseas, especially in some "tax havens", there are also funds issued by domestic fund companies to raise funds for overseas investment.

Global Wealth Safeguard

Global Wealth Safeguard, the establishment of offshore private companies in overseas tax-free countries and regions is one of the important solutions, which is helpful for taxation and estate planning. . Its main function is to hold assets such as foreign currency deposits, securities investments, gold, properties and land. If it cooperates with a family trust fund established overseas, the protection effect will be better.

Family Trust Fund

The Family Trust Fund (TheFamilyTrust) is also an effective way for private banks to protect customer wealth. A trust fund is a legal relationship in which a settlor (customer) transfers the ownership of his property to a trustee (bank), allowing the trustee to hold and manage the settlor's assets (trust funds) for the benefit of the beneficiaries in accordance with the provisions of the trust deed. Under a trust agreement, the trustee is the legal owner of the property and must manage the property in accordance with governing law and the terms of the trust agreement. Because the beneficiary has the legal right to the trust property and has a fiduciary duty to the beneficiary, only the beneficiary can enforce the terms of the trust.

Private banking services include a wide range of services, including asset management services, insurance services, trust services, tax consulting and planning, estate consulting and planning, real estate consulting, etc. Each client has a dedicated wealth management team, including accountants, lawyers, financial management and insurance consultants, etc. Generally speaking, private banks provide customers with one-to-one dedicated account managers. Behind each account manager is an investment team for service support; through an account manager, customers can manage the money market, capital market, and insurance market. , fund market and various financial assets such as real estate, commodities and private equity.

Question 4: What are the benefits of ICBC Private Bank? It is a high-end bank card service aimed at business people with strong financial resources.

Question 5: What are the benefits of ICBC Private Bank? Private banks have never had a The exact definition, in layman's terms, is a cradle-to-grave financial service. It is a highly private service specifically for the rich. Investment and financial products must be tailored according to customer needs, and investment in customers must be The company provides a full range of investment and financing services, including education planning, immigration planning, reasonable tax avoidance, and trust planning services for the wealthy, their families, and their children. According to the service classification of the Western banking industry, the first category is Mass Banking, which does not limit the size of customer assets; the second category is VIP Banking (Affluent Banking), which has customer assets of more than 100,000 US dollars; and the third category is private banking. (Private Banking), which requires customer assets to be more than 1 million US dollars; the fourth category is Family Office (Family Office), which requires customer assets to be more than 80 million US dollars. Of course, various major international banks have different requirements in different regions and time periods. The minimum financial asset limit is also slightly different. On March 20, 2007, the establishment of Bank of China Private Bank kicked off China’s top wealth management services. In the next three years, private banks such as Industrial and Commercial Bank of China, China Merchants Bank, China Construction Bank, Bank of Communications, CITIC Bank, and Minsheng Bank were established one after another. ICBC private banking business is a wealth management service provided by the bank to customers with personal financial assets of more than RMB 8 million that is customer demand-oriented, asset management as the core, consulting as the focus, and information management as the guarantee. ICBC Private Bank is headquartered in Shanghai and currently 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, it will be based on Based on market and customer development, we have opened additional branches in other major cities in China.

ICBC Private Bank’s five major service series: Financial management services: In-depth understanding of customer needs and goals, using various financial tools to formulate scientific financial management plans to achieve healthy and sustainable financial management goals. Daily financial management services: Based on ICBC’s powerful retail banking platform, we provide customers with comprehensive “integrated” service solutions for assets, liabilities, financing, settlement, etc. Cash management services: Fully integrate the cash flow of customers' individuals, families and companies, design a full-process account system and cash management plan, maximize the utilization of funds, and improve the value of funds. Comprehensive wealth management planning: Develop personalized investment planning, insurance planning, tax planning, wealth inheritance and retirement planning based on customer needs. Exclusive remote services: "Private Bank" specially provides customers with safe and convenient remote services. Customers can directly connect to the "Private Bank" wealth advisor for business entrustment without leaving home. Asset management services: Based on the needs of customers, we prudently manage customers’ financial assets and achieve asset preservation, value-added or services with specific goals. "Jingying Series" exclusive products: carefully *** investment products in various fields such as equity financing, equity investment, global investment, foreign currency investment, allocation investment, etc., to help customers achieve diversified allocation of assets. Open product platform: Based on customer needs, search for qualified investment products at home and abroad to achieve the ultimate goal of wealth planning. Investment portfolio management services: Manage investment portfolios based on customers’ investment goals, income expectations and risk preferences, and provide customers with “integrated” advice on asset preservation and balancing investment returns and risks. Consulting Services Based on ICBC’s excellent expert team and strong partners, we provide customers with a full range of consulting services. Financial advisory services: Provide investment advisory services such as securities, insurance, funds, futures, options, gold, foreign exchange and derivative products. Trust consulting services: Based on the client’s asset management needs, we collaborate with professional partners to provide trust consulting services. Business consulting services: Provide professional information, tax consulting, and real estate consulting services. Other consulting services: Provide consulting services to customers on the appreciation and collection of art. Private value-added services Provide customers with personalized value-added services to create a high-quality private life. Children’s wealth management education: Cultivate children’s wealth management awareness and skills through lectures, summer camps, salons, etc., and lay a good foundation for wealth inheritance. Business and social activities: Carry out business and social activities in the form of wealth forums, theme salons, etc., and organize private social circle activities with themes of fashion, sports, culture and entertainment to enhance communication and interaction between customers. Private business office services:...>>

Question 6: How many real private banks are there in China? 20 points There are currently no pure private banks in China. They are all 5 major state-owned banks and 9 major commercial banks. , local joint-stock banks.

Question 7: What are the private banking services of Minsheng Bank? Please see the official website of Minsheng Bank: cmbc/gr_gb/siren.shtml

Question 8: What are the main characteristics of private banking services? The main characteristics of the business are as follows:

1. It has a high entry threshold and service objects have certain limitations.

Private banking has set a higher threshold in terms of products and services, and marketing is mainly focused on high-net-worth target customers. In foreign countries, the minimum amount for opening a private bank account is usually US$1 million, and the amount of each transaction is usually in hundreds of thousands of US dollars. At UBS, Citibank and HSBC, customers must have at least US$1 million in assets acceptable to the bank before they can open an account in the private banking department. In China, ICBC, Bank of China, China Construction Bank, CITIC, China Merchants Bank, Bank of Communications, etc. are currently establishing private banking businesses, all of which have certain requirements for customer financial assets.

2. The product categories are diversified and the requirements for professional and personalized services are high.

In order to meet the complex and diverse financial needs of customers and extend the value chain of customer relationships, private banking business has formed a diversified product structure: first, formulating comprehensive and personalized financial plans based on customer financial needs; second, The asset management business helps customers maintain and increase the value of their assets through personalized investment portfolio management; the third is the trust and real estate business, which provides guarantees for customers’ property management and arranges assets according to customers’ expectations; the fourth is to provide customers with Bulk commodities and offshore finance and other services; fifth, providing consulting services in the fields of insurance, finance, taxation, investment (including real estate, antiques, calligraphy and painting, etc.), law and other fields.

3. Private banking business requires a higher risk prevention and management system.

The risks that banks face in developing private banking business are mainly reputation risk, money laundering risk, operational risk, compliance risk, etc. The first is customer risk, which requires understanding and analyzing the customer's source of wealth and capital, comprehensively assessing the customer's political risk, money laundering risk, fraud risk, etc., to understand the authenticity of the customer's assets; secondly, the bank needs to manage the customer's responsibilities Risks, mainly reflected in product management risks, are risks directly borne by customers and indirectly affect the bank's reputation risk.

It also includes managing employees well to avoid the moral hazard and compliance risks of selling products. Finally, private banking business must control the risks borne by banks, including credit risks borne when providing financing support to customers, as well as operational risks, reputation risks, etc. when providing value-added services to customers.

Question 9: What are the famous private banks in the world and in China? Private banking is a department that specializes in property custody business for high-income earners