Core Viewpoint - The private banking industry in China is shifting from "land grab" to "stock competition," focusing on retaining existing high-net-worth clients through unique non-financial services and experiences [3][20]. Group 1: Private Banking Clientele - To become a private banking client, individuals must have financial assets exceeding 6 million yuan, with some banks like China Merchants Bank raising the threshold to 10 million yuan [2]. - The number of high-net-worth individuals in China with investable assets over 10 million yuan reached 3.16 million by the end of 2022, with an average of 31.83 million yuan per person [6]. - Private banking clients often utilize services from multiple banks, with average personal assets typically exceeding 15 million yuan [3]. Group 2: Non-Financial Services - Non-financial services have become the core competitive advantage for private banks, with offerings including private jet bookings, Antarctic travel, and exclusive medical consultations [3][6]. - The demand for unique experiences has led to significant increases in client acquisition, as seen with CITIC Bank's "Youth Travel" service, which saw a 77.59% year-on-year increase in private banking clients [6]. - High-net-worth clients are increasingly valuing emotional and experiential benefits, which banks are leveraging to enhance client loyalty [7]. Group 3: Family Trusts and Wealth Management - Family trusts and family offices are becoming focal points for private banks, especially for ultra-high-net-worth clients with assets exceeding 20 million yuan [10]. - Over 70% of high-net-worth individuals are preparing for wealth transfer, with concerns about asset division and family disputes driving the demand for family trusts [10][11]. - The domestic family trust business is projected to reach a balance of 643.58 billion yuan by the end of 2024 [11]. Group 4: Customized Investment Products - Private banks are offering tailored investment products, including access to international asset management firms, with minimum investments often starting at 2 million yuan [14]. - High-net-worth clients are expected to increase their allocation to insurance and gold as part of their asset management strategies [15]. - Gold has seen a significant price increase, with some private banking clients reporting substantial gains from their investments in gold bars [16]. Group 5: Market Position and Client Contribution - As of the end of 2023, the asset management scale of Chinese private banks reached 24.6 trillion yuan, with private banking clients contributing significantly to overall bank assets [18]. - Private banking clients, who represent only 0.75‰ of retail clients, account for over 31% of the asset scale at China Merchants Bank [18][20]. - The competition for retaining private banking clients is intensifying, with banks focusing on preventing client attrition due to the limited loyalty of high-net-worth individuals [20].

日前，有网友称，兴业银行私人银行推出一项实习计划，可以为客户子女提供知名企业实习 机会，条件是 "非私行客户新增资金1000万元以上，存量私行客户新增资金500万元以上" 。 为高净值客户子女推名企实习机会 兴业银行私人银行微信公众号近日发文称"2025菁英实习计划"启幕，为高净值客户子女量身 打造实践机会，不乏 摩根大通、中金资本、谷歌、微软 等知名企业。 图 / 社交平台 宣传图片显示，非兴业银行私行客户需 新增行外资金1000万元以上 ；兴业银行存量私行客户 需 新增行外资金500万元以上 。 并且实习期内资金 不得转移 。 5月27日，兴业私行公众号上已搜不到上述文章。 据红星资本局报道，兴业银行 中心工作人员表示， 确实有上述实习计划，报名已于上周结 束。 据悉，早在2023年，就有兴业银行推出"菁英实习计划"的消息传出。在兴业银行官网私人银 行相关介绍中，就包含企业实习等服务。 图 / 兴业银行官网 兴业银行官网显示，私行客户门槛为 月日均综合金融资产在600万元（含）以上 。截至2023 年7月末，兴业银行私人银行客户数6.68万户，管理客户金融资产规模8350亿元，目前已在全 国设立50余个私 ...