本科论文摘 要改革开放以来，社会主义市场经济高速发展,国内的私人银行也处于高速发展阶段，中国的私人银行呈现出以大城市为依托、以高额资产客户为服务对象、提供全方位财富管理的模式，具有无限的发展潜力和广阔的市场空间
但是相比于经济体系更加发达的国家来说,我国的私人银行业还存在许多不容忽视的问题，本文从私人银行发展的三个方向分析遇到的难题，提供合理的建议和对策，为促进我国私人银行业务的迅速发展，国家相关部门应出台相关规定，防止违法行为的发生，银行要开展错位竞争，完善资产配置，创新研发新产品等方式来实现国内私人银行业务又好又快地发展
关键词：私人银行，资产配置，新产品研发 本科论文AbstractSince the reform and opening up, the Socialist market economy has been developing at a high speed, and the domestic private banks are also in a high speed development stage, china's private banks have taken on the mode of relying on big cities, serving high-value clients and providing all-round wealth management, which has unlimited development potential and broad market space
However, compared with countries with more developed economic systems, there are still many problems that can not be
