私人银行业务法律问题研究  

Research on Legal Issues Faced by Private Banking

作　　者：耿丹丹[1] 

机构地区：[1]中国工商银行法律事务部

出　　处：《金融论坛》2010年第2期55-61,共7页Finance Forum

摘　　要：我国经济的稳步增长带来了社会财富总量的扩大和个人财富的集中,这为私人银行业务带来了巨大的市场发展潜力,中外资商业银行都在积极抓住这一难得的历史机遇。在为客户提供私人银行服务的同时,中外资商业银行也必须关注新兴业务带来的法律风险,并采取有效的措施加以防范。本文在对私人银行业务的发展历史、特点、现状进行详细分析的基础上,提出:现阶段法律法规应明确界定私人银行机构的业务范围以及私人银行机构与客户的关系,完善外汇管理方面的法律法规,同时私人银行机构也要关注反洗钱方面的监管规定,确保依法合规开展私人银行业务。The steady growing of Chinese economy brings the expansion of social wealth aggregate and the accumulation of personal wealth, which creates great potential for private banking. Both foreign-funded and Chinese-funded commercial banks are actively grasping this rare historical opportunity. However, they must attach great importance to legal risks result- ing from the emerging business and take effective counter-measures. On the basis of analyzing the development history, characteristics and status quo of private banking, the paper puts forward that laws and regulations should clearly define the business scope of private banking institutions and the relationship between clients and the institutions. Moreover, regulations about foreign exchange management should be improved, and private banking institutions should comply with regulations on anti-money laundering in their business practice.

关 键 词：私人银行业务 商业银行 高净资产个人 法律风险 

分 类 号：D922.28[政治法律—经济法学] F832.2[政治法律—法学]