The Construction And Implementation Scheme Of The Private Of Bank Of China Gansu Branch

Private banking services began in sixteenth Century in Geneva, which is a kind of banking services, specifically for the rich class, supplying personal property comprehensive planning and investment management for the high net worth clients identified by banks. With the development of economy, and the increase of personal wealth, the proportion of individual financial assets in the total financial assets is rising, at the same time, the competition between the domestic banks is fiercely competitive, and major financial institutions are paying more attention to the development of the private banking business. In2012, the Construction Bank of China Gansu branch in Lanzhou first began to build private bank for seizing the opportunity of private banking business in Gansu market. Thus, speeding up the construction of private bank is the greatest primary task for the Bank of China Gansu branch at the moment.This paper analyzed in the trend of rapid development of the domestic and foreign private banking business, as well as the current situation of fierce competition between banks, and according to the actual situation that the Bank of China Gansu branch has got rich experience in the development of wealth management business in the past three years and a thick foundation of private banking client in Lanzhou City, pointed out that the establishment of private banking conditions is ripe. In this instance, introduce the micro-location theory, the theory on the value orientation and behavior characteristics of customers and the theory on the value-added services and comprehensive financial planning of private banking, and based on these three theories, launched a feasibility analysis on the problem of select the address for private bank in Lanzhou, design scheme on the operating mode and production innovation of private banks business during the preparatory period.Due to the goal of developing high-end customers, improving the total financial assets, and the strategic market positioning by serving high net worth clients and seizing the high-quality clients, during establishing private banks, finally, through the analysis of the input-output in the next five years when private bank began to build and operate, got the conclusion that the construction of private banking scheme is feasible, and there is a bright prospects for development.