本論文主要根據歐美私人銀行業務之發展經驗，探討中國大陸私人銀行業務發展的潛力及未來可能發展。隨著中國大陸近年來的經濟發展，創造了更多中國「新富階級」，這些新富階級具有專業財富理財的需求。此外，中國人具有高儲蓄率的習慣，除了銀行存款外，儲蓄的理財也存在一定程度的需求。中國這些新財富的理財需求，根據歐美銀行的發展經驗，屬於私人銀行或財富管理業務範疇。長久以來，歐美銀行間擁有長期間且豐富的私人銀行發展經驗與專業知識，如何借用歐美私人銀行的發展經驗，並參酌中國人財富理財的基本特性，有助於擬進入中國私人銀行領域金融機構之參考。本研究就是在探討上述相關議題。由於目前中國的私人銀行業務尚未發達，本土銀行的發展尚少，外資銀行發展私人銀行業務，受到一定程度的限制。本論文因此建議，外商銀行若擬發展中國私人銀行業務，首應考慮中國相關法律的開放，並作最專業的準備工作，俾能爭取到未來最佳私人銀行業務的服務。其次，應有效結合商業銀行、投資銀行、稅務諮詢、律師、會計師的專業，首先以香港或其他地區的銀行機構作為平台，於將來足夠發展階段，才能以最成熟且最專業的服務爭取到最佳的業務發展。

This study aims to apply experience of private banking business in Europe and USA for mapping into development in China. Europe and USA banking systems have already successfully developed private banking business. Their development brings professions of commercial banking, investment banking, tax consultation, lawyer and CPA (Certified Public Accountant) to meet investment demand among so-called rich people underlying existing regulations. Recently China economy has strongly out-performed other regions; thus, China has developed substantial numbers of so-called rich people. Generally rich people have stronger demand of professional investment consultation services, or private banking services. In addition, Chinese are characterized a high saving rate country. In such a situation, for example, mutual fund like product might be able to satisfy this type of investment demand. Thus, to understand the characters of Chinese investment culture under which private banking business and strategy can be developed successfully. This study closely examines the above mentioned important issues and concludes that foreign private banks should watch China private banking related regulation development and prepare for development of private banking. Additionally private banking business in China can be a big business. Under current regulations, Hong Kong perhaps can be an efficient intermediary platform.

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