发展迅猛！私人银行客户“钞能力”曝光

中国证券报2023-03-29

私行客户“钞能力”如何？截至3月29日，已有招商银行、平安银行、中信银行、光大银行、民生银行、浙商银行6家上市银行披露私人银行业务相关数据。数据显示，截至2022年末，招商银行、平安银行、中信银行、光大银行的私人银行客户数、管理资产规模较2021年末均出现10%以上的增长。从户均资产规模来看，除招商银行外，平安银行也突破了2000万元大关。招商银行户均资产规模超2800万元中国证券报记者梳理发现，...

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href=http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN202303292015218272d1e3&s=b><strong>中国证券报</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>私行客户“钞能力”如何？截至3月29日，已有招商银行、平安银行、中信银行、光大银行、民生银行、浙商银行6家上市银行披露私人银行业务相关数据。数据显示，截至2022年末，招商银行、平安银行、中信银行、光大银行的私人银行客户数、管理资产规模较2021年末均出现10%以上的增长。从户均资产规模来看，除招商银行外，平安银行也突破了2000万元大关。招商银行户均资产规模超2800万元中国证券报记者梳理发现，...</p>\n\n<a 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Private banking customers' \"banknote ability\" exposure","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"600036":0.9,"03968":0.9,"03143":0.6},"content_text":"私行客户“钞能力”如何？截至3月29日，已有招商银行、平安银行、中信银行、光大银行、民生银行、浙商银行6家上市银行披露私人银行业务相关数据。数据显示，截至2022年末，招商银行、平安银行、中信银行、光大银行的私人银行客户数、管理资产规模较2021年末均出现10%以上的增长。从户均资产规模来看，除招商银行外，平安银行也突破了2000万元大关。招商银行户均资产规模超2800万元中国证券报记者梳理发现，私行客户数量方面，招商银行、平安银行、中信银行客户数位居前列，分别达13.48万户、8.05万户、6.68万户。私行业务管理资产规模方面，招商银行遥遥领先，达到3.79万亿元。平安银行达到1.6万亿元。中信银行离“私行万亿俱乐部”再进一步，达到9485.97亿元。从户均资产规模来看，招商银行私行客户人均资产为2813.38万元，远高于其他银行。平安银行私行业务发展也相当迅猛，客户人均资产已超过2000万元大关。值得一提的是，上述各家银行2022年私行业务客户数、资产规模均取得正增长。其中，招商银行、平安银行私行客户数分别较2021年末增长10.43%、15.5%，管理资产规模分别较2021年末增长11.74%、15.30%。但整体来看，相对往年，2022年私行业务发展增速有所放缓。以招商银行为例，截至2021年末，招商银行私人银行客户12.21万户，较2020年末增长22.09%；管理的私人银行客户总资产3.39万亿元，较2020年末增长22.32%。还需要说明的是，各家银行私行客户的资金门槛不同。例如，招行私行客户指在招行月日均全折人民币总资产在1000万元及以上的零售客户。其他银行则多以600万元作为准入门槛。企业家客户受重视目前，私人银行业务发展态势迅猛。《中国私人银行发展报告(2022)暨私人银行数字化转型专题研究》显示，中资私人银行的资产管理规模于2021年底达19.59万亿元，同比增长12.94%。私人银行客户数从2020年的125.60万人增至2021年的143.03万人，增长率达13.54%。2017年至2021年四年间，行业资产管理规模与客户数量的年复合增长率分别达12.81%与14.09%。展望未来，一家股份行私行部人士对记者表示，私行客户背后多是企业家客户，如何将这部分企业家需求挖掘好、资源利用好，与投行、资管等条线形成业务协同，为整个银行创造价值非常重要。目前来看，多家银行非常重视对企业家客户的服务，并将家族信托和保险金信托作为业务重点。招商银行表示，该行持续强化私人银行“人家企社”的综合化服务能力建设。其中一个要点就是，强化与子公司、第三方合作机构的业务协同，全面推广公私融合获客模式。民生银行在年报中披露，该行重点打造“民生传世家族信托”市场品牌，重点引进专属保险定制产品，满足私银客户财富传承需求。2022年，家族信托及保险金信托新增1365单，新增规模76.83亿元，是2021年新增规模的7.19倍；截至2022年末，家族信托及保险金信托规模106.60亿元，是2021年末的3.5倍。对商业银行而言，长远来看，发展私行业务也有助于降低负债成本，提高盈利能力。“私人银行业务发展对银行整体业务贡献是分阶段的、多元的。”中信建投证券银行业首席分析师马鲲鹏表示。在私行业务发展初期，银行首要目标是拓展市场、扩大客户规模，此时回报并不会立刻见效。在中期，私行业务逐渐实现规模经济，手续业务的收入成本比开始下降，中间业务收入占比逐步提高。步入成熟期后，成熟后的私行业务可以创造低息负债，降低银行负债成本；另一方面，使得商业银行的盈利能力更强、盈利波动性减弱、增强抵御风险的能力。","kind":null,"is_publish_news":null,"is_publish_highlight":null,"is_publish_live":null,"is_publish_wemedia":null,"editions":null,"symbols":[],"gpt_button":1},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"deviceId":"web-server-community-laohu8-v3","version":"4.22.4","shortVersion":"4.22.4","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2323270598"}