private banker 个体银行业者

〈美〉非公司银行之业主。未经国家特别授权或许可而从事吸储、贴现商业票据、出售汇票并从事银行业务之个人或其商号；经国家授权并符合监管的一般要求的从事银行业务的个人或其商号。依多数学者的意见，立法机关可以禁止所有的个体银行并限定只有公司才能有开展银行业务的权利。在某些立法中，「银行」一词不包括个体银行业者。

A private banker is a banking professional who offers concierge-like financial services to affluent individuals. They often work within a separate division of a large bank or are part of a smaller bank that specializes in private banking services. A private banker offers specialized banking services to high net worth individuals. Typical specialized banking services include investments, trusts and loans. Private banking may be a good option for affluent clients who need a range of services but prefer to bank at one institution. 具体例句如下，可供参考：

例句1

Private bankers are known for offering high levels of personalized service. When you’re trying to put together an estate plan, or you're looking for a mortgage for your next business, it can be difficult to walk into a bank branch and know exactly what to ask.

个体银行业者以提供高水平的个性化服务而闻名。当你试图整理一份遗产计划，或者你正在为你的下一笔生意寻找抵押贷款时，走进一家银行分支机构并确切地知道该问什么是很困难的。

例句2

A private banker will try to meet all your financial needs with services from their bank. Having all your accounts at one institution keeps things simple, but it’s not for everyone. You may prefer to shop around for better pricing from different providers. Or, if you already have financial relationships with professionals outside your bank, you may not want to move all your accounts to one institution.

个体银行业者会试图通过他们银行的服务来满足你所有的金融需求。把你所有的账户都放在一个机构会让事情变得简单，但这并不适合所有人。你可能更喜欢货比三家，从不同的供应商那里获得更好的价格。或者，如果您已经与银行以外的专业人士建立了财务关系，您可能不希望将所有账户转移到一家机构。

例句3

If you are in the fortunate position of being able to choose whether to use a bank’s private banking services, consider the relationship you want from that institution. Your current banking relationship may suffice if it meets your needs and you already have a strong team of financial advisors. But if you have substantial assets and will rely heavily on your banker’s advice, a private banker could be an important part of your team.

如果你很幸运，可以选择是否使用某家银行的私人银行服务，那么考虑一下你希望从该机构获得的关系。如果你目前的银行关系能够满足你的需求，并且你已经有了一个强大的财务顾问团队，那么这种关系就足够了。但如果你拥有大量资产，并且非常依赖你的银行家的建议，个体银行业者就可能是你团队的重要组成部分。

例句4

Private bankers will work closely with a client’s advisory team, but if you rely on advisors who aren’t affiliated with your bank, you may not have as strong a need for private banking services, Pelham says.

佩勒姆说，个体银行业者将与客户的顾问团队密切合作，但如果你依赖与你的银行无关的顾问，你可能对私人银行服务没有那么强烈的需求。