Although according to the Measures for the Sales of Wealth Management Products of Commercial Banks issued by the CBRC, it is clear that the standard for private bank customers is that the financial net assets should reach 6 million yuan or more, but this standard is not uniform in the specific implementation of banks. The standards of private banking customers mainly need to be based on the standards of private banking customers of the bank where the customers are located.

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

(2) The standard of China Construction Bank, China Merchants Bank and China Everbright Bank is that the average daily total assets are 1 million yuan or more.

(3) The standard of ICBC, Shanghai Pudong Development Bank and Minsheng Bank is that the average daily assets are above 8 million yuan.

In the asset management or wealth management industry, the division of customers is a technical activity. At present, there are at least the following categories: general customers, high net asset value, qualified investors and private banking customers. Take the financial management of commercial banks as an example.

1. Ordinary customers used to purchase investors with a starting point of 5,, but now they have changed to 1,.

2. A high-net-worth customer refers to a commercial bank customer who meets one of the following conditions:

(1) A natural person who subscribes for a wealth management product at least RMB 1 million;

(2) a natural person whose total financial net assets of an individual or family exceed RMB 1 million when subscribing for wealth management products, and who can provide relevant certificates;

(3) a natural person whose personal income exceeds 2, yuan per year for three years or whose total family income exceeds 3, yuan per year for three years, and who can provide relevant certificates.

3. For qualified investors, this is the division of private equity funds in the new asset management regulations and the new financial management regulations. Qualified investors refer to natural persons, legal persons or other organizations that have the corresponding risk identification ability and risk-taking ability, and have invested not less than a certain amount in a single asset management product and meet the following conditions.

(1) Having more than 2 years' investment experience and meeting one of the following conditions: family financial net assets are not less than 3 million yuan, family financial assets are not less than 5 million yuan, or my average annual income in recent 3 years is not less than 4, yuan.

(2) a legal entity with a net asset of not less than 1 million yuan at the end of the last year.

(3) Other circumstances that the financial management department regards as a qualified investor.

among them, the amount invested by qualified investors in a single fixed income product is not less than 3, yuan, the amount invested in a single mixed product is not less than 4, yuan, and the amount invested in a single equity product, a single commodity and a financial derivative product is not less than 1 million yuan.

4. The customers of private banks are divided into three categories: the daily average balance of financial assets is 6 million yuan, 8 million yuan and 1 million yuan, which are different among banks. Obviously, private banking customers have the highest standard among all customer types, followed by high net worth customers, qualified investors and general customers.