2. Standards for private banking customers: Although it is clearly stipulated in the Measures for the Sales of Wealth Management Products of Commercial Banks issued by the CBRC that the standard for private banking customers is that the financial net assets should reach more than 6 million yuan, this standard is not uniform in the specific implementation of banks. Therefore, there are obvious personalized differences in the standards of private banking customers in major banks, so the standards of private banking customers mainly need to be based on the standards of private banking customers in the banks where customers are located.
1. How to become a private banking customer: At present, the threshold for private banking customers of different banks is different. Most commercial banks have financial assets ranging from 5 million yuan to 10 million yuan, and a few commercial banks also include large personal loan customers. Personal financial assets or personal loans with a balance of more than 6.5438+million can become private banking customers, and financial assets or personal loans with a balance of 5 million-6.5438+million can become quasi-private banking customers and enjoy some private banking services in advance.
2. What differentiated products can private banking customers enjoy? The wealth management products provided by banks for large customers can be "tailored". For example, customers have a lot of money. In addition to ordinary wealth management products, banks can also design products according to customers' requirements, and customers can set product term, value date, expiration date and other factors according to their actual needs. In addition, there are short-term and medium-term credit wealth management products, private equity funds, trusts, and "alternative investments" such as foreign exchange, gold and art. I have some investment experience. How can private banks meet my various financial investment needs? Private banks generally adopt the model of "1+ 1+N". The customer is faced with a private bank account manager, an investment consulting team composed of financial product experts and investment and financing technical experts, and an expert group supported by the head office. Members include Corporate Department, Investment Banking Department, Finance Department, Inter-bank Department and Head Office. For example, platforms within the group such as Everbright Bank's Everbright Securities Everbright Prudential Fund have jointly formed a strong background. This kind of private bank with the background of financial control group can meet the multi-level and all-round financial needs of customers to the greatest extent.