传统的零售银行是以产品为中心,即先设计产品,后通过销售标准化的产品去发

Traditional retail banks are centered on products, that is, designing products first, and then developing customers by selling standardized products. Under this product system, the banking business is still at the level of "product promotion", and customers are in a passive position in the bank's customer relationship management; while the private banking model is intended to create a customer-centric product system, namely Banks will design, develop, and integrate products according to factors such as customer funds, personality, risk preferences, etc. Customers are in an active position in bank customer relationships, and customers will experience the sense of responsibility and accomplishment of personal wealth management "owners" in this process .

传统的零售银行是以产品为中心,即先设计产品,后通过销售标准化的产品去发展客户。在这种产品体系下,银行业务仍是停留在"产品推动"这个层面,客户在银行的客户关系管理中处于较被动的地位;而私人银行模式意在打造以客户为中心的产品体系,即银行将按照客户资金、个性、风险偏好等因素去设计、开发、整合产品,客户在银行客户关系中处于主动的地位,客户在此过程中会体会到个人财富管理"主人翁"的责任感和成就感。

Traditional retail banks focus on products, that is, design products first, and then develop customers by selling standardized products. Under this product system, the banking business still stays at the level of "product promotion", and the customers are in a passive position in the customer relationship management of the bank; while the private banking model aims to build a customer-centered product system, that is, the bank will design, develop and integrate products according to the factors such as customer funds, personality, risk preference, etc, Customers are in an active position in the bank's customer relationship. In this process, customers will experience the sense of responsibility and achievement of the "master" of personal wealth management.