普华永道本周最新发布的《外资银行在中国》年度调查报告显示，2011年间在华经营的181家外资银行的总利润翻倍，从2010年的77.8亿元增加至2011年的167.3亿元人民币，与此同时，由于内地的高净值人士的数量呈指数式增长，导致一些外资银行重新审视及发展自己的零售和财富管理机会。业内人士表示，为了把握住财富管理市场的机会，外资银行在进一步明确市场定位的同时，也在对自身的产品进行积极的调整。

PWC released this week《Foreign capital bank in China》Annual survey，2011 years of operation in China of 181 foreign capital bank's total profit doubled，From 2010 yuan in 2011 to increase 16.73 billion yuan RMB，At the same time，Because of the mainland's high net worth is established.an exponential growth in the number of people，Result in some foreign Banks to re-examine and develop their own retail and wealth management opportunity。People in the industry say，In order to grasp the wealth management market opportunities，Foreign Banks in the further clear market orientation at the same time，Also of their own product for positive adjustment。

　　继续看好财富管理机会 Continue to remain positive on wealth management opportunity

　　根据普华永道发布的《外资银行在中国》年度调查报告，2011年间在华经营的181家外资银行的总利润翻倍，从2010年的77.8亿元增加至2011年的167.3亿元人民币。报告还显示，外资银行在中国利润增长的同时，其资产总额增长了24%，达到2.15万亿元人民币。另外，尽管存在诸如贷款上限及新分行审批速度相对缓慢等障碍，但是在中国开展业务的外资银行都表现强劲。不但利润和资产总额呈上升趋势，而且其在主要市场的市场份额也颇高。例如在上海，外资银行2011年的市场份额为12%。

According to pricewaterhousecoopers release《Foreign capital bank in China》Annual report，2011 years of operation in China of 181 foreign capital bank's total profit doubled，From 2010 yuan in 2011 to increase 16.73 billion yuan RMB。The report also shows that，Foreign capital bank in China profits growth at the same time，The total amount of the assets increased 24%，Up to 2.15 trillion yuan RMB。In addition，Despite such as loan limit and new branch relatively slow rate of examination and approval process，But to do business in China of foreign Banks are strong。Not only is profit and the total assets of a rising trend，And its main market in the market share quite tall also。For example in Shanghai，Foreign capital bank in 2011 for 12% of market share。

　　普华永道表示，很多外资银行于2007年、2008年成立了中国的法人银行，不过，在中国的平台发挥作用需要经过一段时间，而经过4、5年的发展，外资银行从2011年开始进入投资回报期。根据报告，尽管中国的经济前景有所疲软，但是外资银行仍然预测，至2015年其年增长率将维持在20%或以上。

PWC said，Many foreign Banks in 2007、2008 has set up the Chinese legal person bank，but，The platform in China need to work after a period of time，But after four、5 years of development，Foreign Banks begin from 2011 into the investment return period。According to the report，Although China's economic prospects have weak，But foreign bank still forecast，In 2015 the annual rate to remain in 20% or more。

　　报告同时指出，由于内地的高净值人士的数量呈指数式增长，导致一些外资银行重新审视及发展自己的零售和财富管理机会。当被问及“在未来3年内，零售银行业务中的哪些产品您认为其重要性将愈发提高？”这样的问题时，投资产品、抵押和私人银行三项位列前三甲，这与去年的调查结果是一样的。

The report also points out that，Because of the mainland's high net worth is established.an exponential growth in the number of people，Result in some foreign Banks to re-examine and develop their own retail and wealth management opportunity。When asked about“In the next three years，Retail banking which of you think the importance of product will be increasingly improved？”Such problems，Investment products、Mortgage and private bank among the top three before，This and last year's survey, the result is the same。

　　过半产品紧盯“高端”客户群 More than half the product staring“high-end”Customer base

　　外资银行自从中国市场的第一天开始，就将自己财富管理的重点定位在中高端人群尤其是高端人群上。根据普益财富的相关统计，从产品的投资起点来看，外资银行发行的面向中高端市场的理财产品数量超过其发行产品总量的一半。1月至5月间，外资银行发行的投资起点为10万元(含)以上的产品占比75.23%，较2011年增长5.49%。而国内的股份制银行该比例为51.14%，国有商业银行仅为46.02%。

Foreign Banks in China market since day one，Will their wealth management in the key position in high-end people especially high-end crowd。According to the relative statistic PuYi wealth，Products from the investment starting point and see，Foreign capital bank issues facing in high-end market financing products to more than half of total issued its products。Between January and may，Foreign Banks issue of the starting point for 100000 yuan investment(contain)More than 75.23% of the product，A 5.49% growth in 2011。And domestic joint-stock bank the proportion is 51.14%，The state-owned commercial bank is only 46.02%。

　　进一步细分来看，国有商业银行和股份制银行发行的主力为投资起点为10万(含)到100万之间的产品，该类产品占比分别为37.94%和28.34%。而外资银行发行的主力则是投资起点为100万(含)到1000万之间的产品，产品占比达到49.23%，接近其产品总量的一半。值得注意的是，2011年外资银行发行最多的还是投资起点为10万(含)到100万之间的产品，可见外资银行在2012年进一步将目标客户锁定为高端客户群体。

Further to see，The state-owned commercial Banks and the joint-stock Banks the main issue for investment starting point for 100000(contain)To 1 million between products，This kind of products are than accounted for 37.94% and 28.34% respectively。Foreign Banks and the main issue is the starting point for 1 million investment(contain)To 10 million between products，Products reached 49.23%，Close to half the problem of its products。Note the，In 2011, foreign Banks issue most is the starting point for 100000 investment(contain)To 1 million between products，Visible foreign Banks in the 2012 target customers will further on high-end customers。

　　加拿大皇家银行财富管理部主管乔治·刘易斯日前在接受媒体采访时曾表示，近年来，亚洲地区净资产在600万元人民币以上的高净值人群持续快速增长，成为外资银行普遍看好亚洲财富管理市场的主要原因。日前，其宣布，将加快步伐在亚洲市场范围内寻找可兼并或可收购的资产，以扩展其在亚洲市场的财富管理业务。

Royal bank of Canada wealth management department director George lewis has told media interviews has said，In recent years，Asia in the net assets of above 6 million yuan high net worth sustained, rapid population growth，Become a foreign bank generally optimistic about the Asian wealth management market main reasons。a，It announced，Will speed up the pace in the Asian market scope for merger or purchase of the assets can be，To expand its in the Asian market wealth management business。

　　调整产品结构“正在进行时” Adjustment of product structure“When are”

　　尽管外资银行的客户群目标从来没有变过，但是，经过了2008年金融危机之后一波又一波理财产品巨亏的“理财门”，外资银行在其财富管理能力遭到一片质疑的声音中，已经开始对其产品类型以及投资结构作出调整以应对市场出现的各种变化。

Although foreign capital bank's target customer base has never changed，but，After the financial crisis in 2008 after a wave of another wave of financial products giant a deficit“Financial door”，Foreign capital bank in its wealth management ability was a doubt sound，Has started to its product types and the investment structure adjustment in response to the market to appear all sorts of change。

　　“尽管外资银行确实有一些结构性以及Q D II产品存在亏损的情况，但是在面临2008年金融危机这种全球性的系统性风险面前，包括中资银行在内的各家银行发行的Q D II或投资于海外市场的结构性产品同样无法摆脱亏损的命运。中资银行之所以没有外资银行受到市场关注，就在于中资银行在产品发行上采取了尽量回避该类产品的策略。”普益财富研究员魏可表示。从今年第1季度的数据来看，非保本浮动收益型产品的发行数量仅为36款，远远低于2011年同期的62款，更低于2010年同期的79款，这主要是由于往年有发行过该类产品的外资银行，普遍在今年大量减少该类产品的发行。

“Although foreign Banks do have some structural and Q D II existing products of losses，But in the face of the global financial crisis in 2008 before the systemic risk，Chinese Banks, including Banks issue of the Q D II or investment in overseas markets also can't get rid of the structured products that the fate of the losses。Chinese Banks have not foreign bank by market focus，Chinese Banks is adopted in the production release tried to avoid products in this strategy。”PuYi wealth researchers can be said wei。From the first quarter of this year the data to see，The floating income type products guaranteed issue is just 36 number of money，Far below 2011 in the same period of 62，More lower than in 2010 over the same period of 79，This is mainly due to previous years have offerings of products in this foreign Banks，Common this year to reduce such products in a lot of the issue。

　　与此同时，普益财富的季度统计数据显示，自2010年以来，外资银行发行的挂钩汇率的理财产品增长迅速，在2011年第1季度和2011年第4季度达到两个高峰，这两个季度各发行了123款和231款该类产品，今年以来，整个外资银行的该类产品发行数量远远高于挂钩其他标的的产品数量“挂钩外汇的理财产品通常具有完善的控制风险措施以及相应的对冲工具，因此银行将其设计成保证收益型产品能够很好地保障客户本金并实现预期收益。”魏可指出。

At the same time，PuYi wealth quarterly figures show，Since 2010，Foreign capital bank is issuing a pegged exchange rate of the financial product to grow rapidly，In 2011 the first quarter and 2011 fourth quarter to two peak，The two quarters of each issued 123 and 231 of this product，Since this year，The foreign capital bank's products in this issue number is much higher than the hook of the subject matter of the other products quantity“Hook the financial product usually foreign exchange is the perfect control risk measures and the corresponding hedge tools，So the bank designed to maintain the revenue model can well to guarantee our customers the principal and realize the expected returns。”W can be pointed out that。