High net worth customers refer to commercial bank customers who meet one of the following conditions: (1) Natural persons who subscribe for financial products in a single transaction of not less than 1 million yuan; (2) When subscribing to financial products, the total net financial assets of individuals or families

A natural person whose income exceeds RMB 1 million and can provide relevant certificates; (3) a natural person whose personal income exceeds RMB 200,000 per year within three years or whose total family income exceeds RMB 300,000 per year within three years and who can provide relevant certificates.

1. Private account standards of major banks Although according to the "Measures for the Sales of Financial Management Products of Commercial Banks" issued by the China Banking Regulatory Commission, it is clearly set that the standard for private banking customers is that the net financial assets must reach 6 million yuan (inclusive) or more, but this

The standards are not uniform in the specific implementation of banks.

Private banking customer standards mainly need to be based on the private banking customer standards of the bank where the customer is located.

(1) The standard for private banking customers of Agricultural Bank of China, Bank of Communications, China CITIC Bank, Ping An Bank and Zheshang Bank is that the average daily financial assets are more than 6 million yuan (inclusive).

(2) The standard for China Construction Bank, China Merchants Bank and China Everbright Bank is that the average daily total assets are 10 million yuan and above.

(3) The standard for Industrial and Commercial Bank of China, Shanghai Pudong Development Bank and China Minsheng Bank is that the average daily assets are more than 8 million yuan.

In the asset management or wealth management industry, the classification of customers can be called a technical activity. From the current point of view, there are at least the following categories: general customers, high net worth, qualified investors and private banking customers.

Taking commercial bank financial management as an example, 1. The average customer used to be a subscribing investor with a starting point of 50,000, but now it has been changed to 10,000.

2. High net worth customers refer to commercial bank customers who meet one of the following conditions: (1) Natural persons who subscribe for financial products in a single transaction of not less than 1 million yuan; (2) When subscribing to financial products, the personal or family financial net worth is

Natural persons with total assets exceeding RMB 1 million and able to provide relevant certificates; (3) Personal income exceeding RMB 200,000 per year within three years or total family income exceeding RMB 300,000 per year within three years, and able to provide relevant certificates

natural person.

3. For qualified investors, this is the classification of private equity funds that has been adopted in the new asset management regulations and new financial management regulations. Qualified investors refer to those who have the corresponding risk identification capabilities and risk-taking capabilities, and who invest in a single asset management product.

Natural and legal persons or other organizations with a fixed amount and meeting the following conditions.

(1) Have more than 2 years of investment experience and meet the following conditions - -: The net household financial assets are not less than 3 million yuan, the household financial assets are not less than 5 million yuan, or the average annual income in the past 3 years is not less than

400,000 yuan.

(2) A legal entity with net assets of not less than 10 million yuan at the end of the last year.

(3) Other situations where the Financial Management Department shall deem it a qualified investor.

Among them, the amount invested by qualified investors in a single fixed-income product is not less than 300,000 yuan, the amount invested in a single mixed product is not less than 400,000 yuan, and the amount invested in a single equity product, a single commodity and

The amount of financial derivatives products shall not be less than 1 million yuan.

4. Private banking customers are mainly divided into three categories with daily average financial asset balances of 6 million yuan, 8 million yuan and 10 million yuan, which vary among banks.

Obviously, private banking customers have the highest standards among customer types, followed by high net worth customers, qualified investors and general customers.