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新加坡银行账户的三个等级，看看哪个更适合你？

在全球经济蓬勃发展的时代，金融领域的创新与多元化为高净值客户提供了更为丰富和专业的服务。海外私人银行，作为财富管理的巅峰，为中国高净值客户提供了一系列专业化、个性化的金融产品和服务。本文将深入探讨海外银行的层次划分、服务内容及其在财富管理中的重要性。

1. 海外个人银行的层次划分

1.1. 普通零售银行

普通零售银行通常为当地居民提供基础的金融服务，对客户的资产没有硬性的要求。去年香港各大银行豁免了管理费，使得这类客户对银行的贡献相对有限。普通零售银行服务基础，通常无法为海外客户开设，更注重服务本地居民。

1.2. 贵宾银行

贵宾银行对客户的资产要求较高，日均余额通常在等值100-150万人民币，即15-20万美金左右。这类客户享有更多的专属服务和产品选择，包括渣打的优先理财账户、汇丰的卓越理财等。相较于普通账户，贵宾银行更加注重客户关系和服务质量，提供专业的投资咨询和一些额外福利，如机票、酒店等。

1.3. 私人银行

私人银行是贵宾银行的升级版本，通常要求300万美金的起步门槛。这一层次的客户通常享有更高级的服务，包括更多的投资工具、专业的客户经理等。私人银行为大额资金客户提供更灵活和个性化的服务，是金融服务领域的顶级享受。

2. 海外私人银行101

2.1. 客户层次分化

私人银行的发展与经济发展阶段息息相关，全球最顶尖的私人银行主要集中在瑞士、列支敦士登、纽约、新加坡和香港。客户的选择通常与文化语言习惯、法律体系以及个人偏好有关。客户层次逐步分化，要求起步资产在300万美元以上，有些银行甚至要求更高。

2.2. 审查过程

开设私人银行账户需要经过银行的合规部门的审查，这一过程相对较长。客户需要提供详细的财务信息，银行会仔细审核客户的背景、资产状况以及合规性，确保其符合私人银行的服务标准。

2.3. 服务内容

私人银行不仅提供普通零售银行和贵宾银行的基础服务，还提供更多高级、专业的金融产品和服务。从现金管理、资产配置到贷款融资，再到大额保单，私人银行满足了客户在金融领域的全方位需求。客户可以享受更多稀缺资源，如私人经理的专业咨询、高级金融工具等。

3. 离岸私人银行的服务内容

3.1. 现金管理及投资业务

私人银行为客户提供更多结构化的投资产品，如对冲基金、量化基金等。大额资金客户可以获得更为灵活和个性化的投资组合，相对较低的风险使其成为理财的首选。

3.2. 贷款融资

私人银行客户倾向于使用低成本的贷款购买投资产品，以提高资金利用率。支付30%的本金即可获得贷款，这为客户提供了较高的杠杆操作空间。

3.3. 大额保单

购买高额寿险是私人银行客户的一项重要选择。通过融资购买大额保单，客户不仅能够实现资产隔离和传承，还可以享受低于分红率的融资利率，为客户带来额外的利差收益。

3.4. 税务、信托及其他

在私人银行服务中，处理客户的税务问题是一个关键环节。私人银行通常与专业的税务、法务机构合作，为客户提供全方位的税务规划和咨询。此外，私人银行还涉及信托服务，通过信托等工具实现资产隔离和传承规划，确保客户的财富安全有序的传承。

4. 专业度的体现

私人银行的专业度体现在多个方面。首先，银行对客户的审查和合规程序非常严格，确保每位客户都符合银行的服务标准。其次，私人银行为客户提供高度个性化的服务，从投资组合到财富传承，都能够根据客户的需求制定专属方案。同时，银行还与专业的税务、法务机构合作，为客户解决复杂的税务和法务问题，确保客户在财富管理中得到全方位的支持。

5. 结语

海外私人银行作为财富管理的高峰，为中国高净值客户提供了更为专业和全面的金融服务。通过不同层次的银行体系，客户可以根据自身的需求选择合适的服务水平。私人银行的专业度不仅在于提供高级的金融产品，更在于为客户解决复杂的税务和法务问题，为其提供全方位的财富管理服务。在全球化的时代，海外私人银行无疑将继续在高净值客户的财富管理中发挥不可替代的作用。

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Li Wenjun Olivia 李文君

您好，我是 Olivia 李文君。2008 年以全额奖学金来到新加坡，并在本地最大公立医院 ICU 工作了 7 年。长期在高压与高度负责的环境中，练就了我的决策力，同时我深刻理解了风险、稳定与财务安全的重要性。也正因如此，我选择进入理财行业，希望能把“在问题发生后抢救”，变成“提前帮家庭避开问题”。医学背景带给我的，是对新加坡医疗体系的深度理解，对不同客户适合的医疗机构，专家以及治疗的专业严谨判断力，也是一种对每一个家庭都必须认真负责的态度。

进入理财行业后，我专注于 风险管理、保障架构、跨境家庭资产配置，并把医学时期的逻辑思维延伸到财富规划中。作为 金融顾问（FA），我不受任何单一公司限制，可从 150+ 金融机构 的方案中做深度比较，为客户搭建透明、可执行、长期可坚持的规划结构。我服务的客户多为在新加坡发展的专业人士、新移民家庭，以及需要更高精准度规划的企业主与高净值人士。他们的共同点是：不喜欢被推销，而需要一个站在他们立场、判断清晰、长期可靠的顾问。

我也在视频号、小红书、Instagram、YouTube（账号：奥莉私房话）长期分享新加坡的保障体系、财富规划逻辑与实用案例，希望让更多家庭在重要决策上少走弯路、拥有更高的确定性。如果您正在寻找一位专业稳健、真诚可靠、可以长期合作的顾问，我很愿意从一次轻松的交流开始，帮助您和家人建立一个更安心、更有方向的未来。

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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策