本帖最後由 choyki 於 25-6-29 12:13 編輯
https://www.privatebank.citibank.com/tc/insights/private-banking-vs-wealth-management
https://www.privatebank.citibank.com/insights/private-banking-vs-wealth-management
甚麼是私人銀行？甚麼是私人財富管理？
What is private banking? And what is private wealth management?
私人銀行是一套財富管理體系。通常，私人銀行為超高淨值（UHNW）個人（最富有的客戶）及其家族辦公室和公司提供服務。
Private banking is a variety of wealth management. Typically, private banks serve ultra-high net worth (UHNW) individuals – the wealthiest clients – and their family offices and companies.
其他財富管理服務面向高淨值（HNW）個人和富裕群體。
Other wealth management services address high net worth (HNW) individuals and the affluent.
然而，這些概念並沒有任何硬性定義。在一個機構可以稱為「私人銀行」的部門，在另一個機構可能被貼上「私人財富管理（部門）」的標籤，甚至簡稱為「財富管理」。
However, there aren’t any hard-and-fast definitions here. What can be called “private banking” at one institution might be labeled “private wealth management” or even simply “wealth management” at another.
同樣，您需要多少財富才能有資格被稱作「超高淨值」人士，每個公司之間的衡量標準可能會相差數百萬美元。
Likewise, how much wealth you need to qualify as “ultra-high net worth” can vary from organization to organization.
因此，在本文中，我們將使用本公司——花旗全球財富的私人銀行和其他財富管理服務作為示例。
For this article, therefore, we’ll use examples of private banking and other wealth management services at our organization, Citi Wealth.
私人銀行和財富管理有甚麼區別？
What’s the difference between private banking and wealth management?
雖然私人銀行和其他類型的財富管理可能提供相同的服務來幫助客戶實現他們的財務目標，但個性化程度往往不同。
While private banking and other types of wealth management may offer the same services to help clients reach their financial goals, the degree of personalization is often different.
這首先要從客戶如何獲得財富管理公司的服務開始。
This starts with how a client accesses a wealth manager’s services.
許多財富管理機構為每位客戶指定專門的客戶經理。
Many wealth managers assign a dedicated relationship manager to each client.
客戶經理的角色是了解客戶的需求，然後幫助他們獲得適合的服務。
The relationship manager’s role is to understand the client’s needs and then help them access suitable services.
Citi Private Bank vs Citigold
例如，在 Citigold，財富客戶經理協助每位客戶的個人銀行服務需求，並在需要時為他們推薦商業銀行、抵押貸款和其他貸款專家。
With a Citigold relationship, for example, a Wealth Relationship Manager assists with each client’s personal banking needs, also connecting them with business banking, mortgage and other lending specialists, if needed.
財富客戶經理與花旗個人財富管理理財顧問合作，提供財務規劃策略和投資指導。
The Wealth Relationship Manager works alongside a Citi Personal Wealth Management Wealth Advisor, who provides financial planning strategies and investing guidance.
私人銀行，包括私人財富管理機構，可提供更為定制化的服務。
Private banks, including private wealth managers, may offer even greater customization.
在花旗私人銀行，任何客戶關係均由私人銀行理財顧問管理，而該理財顧問可能只為 20 位客戶提供服務。
At Citi Private Bank, each relationship is managed through a Private Banker, who may serve as few as 20 clients.
客戶還有專門的投資顧問，根據客戶的投資目標、風險承擔能力與流動性需求，提供個性化的投資策略。
The client also has a dedicated Investment Counselor, who provides personalized investment strategies based on a client’s investment objective, risk tolerance and liquidity needs.
私人銀行理財顧問與貸款、財務規劃、信託和財富規劃以及慈善事業等方面的專家合作，提供滿足每位客戶需求的服務組合。
The Private Banker partners with specialists in areas including but not limited to lending, financial planning, trust and wealth planning, and philanthropy to deliver the mix of services that address each client’s needs.
如果客戶願意，他們的家族成員也可以接受服務，從而成為客戶關係的組成部分。
If the client wishes, their family members can also receive services, thus becoming part of the relationship.
對於在世界各地擁有家族成員、企業和投資的合資格客戶，他們還可以在全球所需的每個地區擁有專門的私人銀行團隊。
For an eligible client who has family members, businesses and investments around the world, they can also have a dedicated private banking team in each global region where they desire one.
私人銀行和其他財富管理服務是否相同？
Are private banking and other wealth management services the same?
正如我們所看到的，私人銀行、私人財富管理機構和其他財富管理機構經常提供類似的服務組合。
As we’ve seen, private banks, private wealth managers and other wealth managers frequently offer a similar set of services.
不過，私人銀行可能會提供更加完善而全面的服務。
Again, though, private banking may come with enhanced possibilities.
例如，花旗私人銀行為合適的客戶提供更廣泛的另類投資策略，涵蓋私募股權、對沖基金及房地產管理機構等。
Citi Private Bank, for example, offers suitable clients a broader range of alternative investment strategies from private equity, hedge fund and real estate managers.
我們的全權委託投資管理服務的客戶可以直接投資於完全定制的投資組合。
Clients of our discretionary investment management service can have direct access to a fully bespoke portfolios .
我們的資本市場團隊就跨資產類別的交易策略提供顧問和執行服務，合資格客戶可接受電子交易並可直接使用交易平台。
Our capital markets team offers guidance and execution on trading strategies across asset classes, with eligible clients receiving electronic trading and direct access to trading desks.
同樣，私人銀行客戶可以要求專家團隊使用專有模型和工具對其投資組合進行定制分析。
Likewise, private bank clients can request bespoke analysis of their portfolios from a specialist team, who use proprietary modeling and tools.
在貸款方面，許多財富管理機構使客戶能夠以其投資組合作為抵押進行借貸並為購房提供資金。
When it comes to lending, many wealth managers enable clients to borrow against their investment portfolios and finance home purchases.
此外，花旗私人銀行還為商業房地產、藝術收藏品、私人飛機和體育特許經營權提供融資。
Additionally, Citi Private Bank offers financing for commercial real estate, art collections, private aircraft and sports franchises.
私人銀行和私人財富管理機構也可能提供其他財富管理機構不具備的專業諮詢服務。
Private banks and private wealth managers may also provide specialist advice that other wealth managers do not.
這可能意味著為家族辦公室制定戰略和提供專屬服務，協助客戶的繼承人為未來的責任做好準備，以及最高水平的財富規劃，包括複雜的跨境戰略。
This could mean strategies and dedicated service for family offices, assistance in preparing clients’ heirs for their future responsibilities and the highest level of wealth planning including complex cross-border strategies.
我是否有資格成為私人銀行或財富管理機構的客戶？
Am I eligible for private banking or wealth management?
每家機構都有自己的服務資格標準。 花旗全球財富是一家統一的綜合服務平台，為從富裕階層到超高淨值客戶的整個財富體系客戶提供服務。
Citigold 為可投資資產超過 20 萬美元的客戶提供量身定制的服務，
Citigold Private Client 則是為可投資資產超過 100 萬美元的客戶提供專屬服務。
花旗私人銀行要求最低淨資產為 1,000 萬美元。
Every institution has its own eligibility criteria for their services. Citi Global Wealth is a single, integrated platform serving clients across the wealth continuum, from the affluent segment to ultra-high net worth clients.
Citigold is tailored for clients with more than $200,000 in investible assets and
Citigold Private Client is for clients with more than $1 million.
Citi Private Bank has a net worth requirement of $10 million USD.
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