全球私人銀行業前景看好

一份新的研究報告稱，未來3年，全球私人銀行有望迎來前所未有的增長局面，預計其管理下的資產規模每年將增長30%。

Private banks around the world are expected to enjoy unprecedented growth over the next three years with assets under management expected to increase by 30 per cent per annum, according to a new study.

普華永道(PwC)對43個國家265家企業的高管進行問卷調查，發布了2007年全球私人銀行業研究報告。報告稱，亞太和東歐地區的增長最為迅速，各大銀行競相爭奪這些市場上日益擴大的富人階層。

Asia-Pacific and eastern Europe are expanding the fastest as banks rush to tap into the growing ranks of the wealthy in these markets, according to the 2007 global private banking study by PwC which questioned senior executives of 265 organisations in 43 countries.

亞太地區接受問卷調查的首席執行官們預計，該地區管理下的資產規模每年將增長34%，而在俄羅斯，這一增速將在30%至50%之間。

In Asia-Pacific, those chief executives questioned expect assets under management to increase by an annual rate of 34 per cent, and in Russia between 30 per cent and 50 per cent.

調查發現，私人銀行計劃通過收購進軍這些利潤更為豐厚的市場。

The study found that private banks planned to move into these more lucrative markets through acquisitions.

幾乎90%的首席執行官認為，私人銀行業至少會出現一些整合--如果說不是重大整合的話，而逾半數的受訪首席執行官表示，計劃未來兩年內在新興國家開設業務，將目標瞄準新的富裕客戶。

Almost 90 per cent of chief executives believe there will be at least some, if not significant consolidation, in the private banking industry and more than half of chief executives questioned plan to open operations in new countries over the next two years to target new wealthy clients.

普華永道全球私人銀行及理財業務主管布魯斯o韋瑟里爾(Bruce Weatherill)表示："在全球財富日益增長的支撐下，全球各地的財富經理正期待實現極高水平的有盈利的增長，在我們啟動調查的14年里，都從未見過這種速度的增長，在其它任何時期可能也是一樣。"

Bruce Weatherill, global private banking and wealth management leader at PwC, said: "Buoyed by rising global wealth, wealth managers everywhere are anticipating extremely high rates of profitable growth that have not been seen during the 14-year history of our survey and probably at any other time."

目前"必須做出戰略抉擇，將有限的資源集中在為現有客戶服務，并且為雄心勃勃的增長計劃提供支持"。

It was "a time when strategic choices have to be made and finite resources have to be focused on serving existing clients as well as supporting highly ambitious growth plans".

研究還表明，未來財富經理負責代理其客戶投資的財富比例將進一步擴大。

The study also suggested that in future, wealth managers will be responsible for investing a greater proportion of their clients wealth.

目前，不到半數的財富經理管理著其客戶逾40%的可投資財富--但未來3年內，這一比例有望大幅提高，屆時80%的財富經理將管理著客戶40%的財富。

Currently, under half of all wealth managers hold more than 40 per cent of their clients' investable wealth - but over the next three years this proportion is expected to increase dramatically so that 80 per cent of wealth managers hold 40 per cent of a client's wealth.

研究發現，要想為私人銀行業大幅增長提供支撐，最大的挑戰在于招募和留住足夠數量的客戶經理。

The study found the biggest challenges were recruiting and retaining enough relationship managers to support the aggressive growth of private banks