[经管营销]招行银行 研究报告 深度.pdfVIP

China Private Wealth Study China’s private banking industry: An opportune time The 2009 China Private Wealth Study’s original Chinese title,, is a common expression meaning “sit and watch the wind blowing and the clouds shifting.” This metaphor is symbolic of the changes and growth facing China’s nascent private banking industry. Preface: Intentions and Expectations for the 2009 China Private Wealth Study1 Acknowledgements 2 Chapter 1: Overview and Trends in China’s Wealth Market 3 The enormous potential value of China’s wealth market 4 2008 review of China’s wealth market and the outlook for 2009 6 Regional distribution of China’s HNWIs in 2008 7 Growth rate of HNWIs varies among China’s 11 wealthiest provinces/cities 8 Chapter 2: Chinese HNWIs’ Investment Behaviors, Segmentation and Attitudes toward Private Banking10 HNWIs tend to be more risk averse as a result of the financial crisis11 Stocks, deposits and real estate account for a high proportion of investments; investors plan to take a wait-and-see approach in 2009 12 Occupation and investable assets are key factors for segmentation13 Spotlight I: Objectives and channels for wealth management18 Spotlight II: Chinese HNWIs’ offshore investments 20 Chapter 3: Implications for the Development of Private Banking in China22 New opportunities for the development of private banking in China24 Chinese private banks face a two-year window of opportunity to actively capture and consolidate market share25 Major offshore business development opportunities may emerge in the next five years27 Private banks should develop differentiated services for HNWI segments and high-trust relationships with target customers27 Spotlight III: The Strategy Framework for China’s Private Banking Industry Development