The Study To Shandong Province Rural Credit Cooperative Of Personal Wealth Management

Since the 1970s, the whole world financial organ under the financial innovation tide's impact, personal wealth management service obtained the fast development. Looking from the present development trade of the developed country financial organ personal wealth management, personal wealth management service has the batch to be big, the risk is low, the business scope is broad, management income stable and so on superiority, is occupying the key position in the financial organ development. In the Western developed country, personal wealth management service already "flies into the common family", its business income has occupied above bank gross income 30%. Almost annual lining on the past, US's banking industry personal wealth management service average rate of profit reaches as high as 35%, the annual mean profit rate of increment approximately is 12%-15%.At present, our country financial organ's personal wealth management service isalso at the preliminary development phase, the market prospect is very broad. First, huge and in sustained growth individual monetary assets, was our country financial organ develops personal wealth management provision of service material base, constituted latent, lasting and the exuberant managing finances demand, Next, our country housing, the medical service, the education, raised wait persistently the organizational reform also to stimulate resident's managing finances demand. And develops personal wealth management service to be advantageous to the expansion financial organ account executive scope, increases its profit origin; Is advantageous in improves the bank the property, the customer and the income structure, transforms the bank the economic growth way; Is advantageous in consummates the bank the financial service function, impels the financial organ to develop to the integrated direction. The managing finances market will be future financial industry comprehensive management occurring together, also will be the future finance innovation important domain, At present domestic in this domain supervision laws and regulations, supervision idea, aspects and so on jobholders idea, customer idea, but also has the place which many understanding inconsistent, need to enhance.The author refers to near domestic and foreign modern related finance managing finances aspect the research, the relation work reality, unified the situation of Shandong reform of monetary system, the research has analyzed the resent development situation of our country banking personal wealth management p, based on this ,has made the beneficial discussion about how to the develop personal wealth management of Shandong rural credit cooperative.In this paper, the author unifies own work experience, take the related managing finances theory as the basis, utilization methods and so on comparison analytic method, real diagnosis analytic method as well as logic reasoning, links to the Shandong Rural credit cooperative current reform reality, take the Shandong Province Rural credit cooperative managing finances plan design as the object of study, Take the financial managing finances market's standardization as the research content, the system introduced the financial managing finances market standardization's general pattern, how has discussed the standard our country finance managing finances market question comprehensively, and designed a way to develop personal wealth management which is adapted with the Rural credit cooperative present system.First, introduced with the managing finances service correlation theories.which includes personal wealth management life cycle theories, customer market segmentation theory, effective investment profolio theory, permanent income expense theory and so on.Next, elaborated the present development situation of our country financial organ's personal wealth management . Has carried on the analysis to the Shandong Province reform of monetary system background and the present development situation of Shandong Province Rural credit cooperative's personal wealth management trade, to the Shandong Province Rural credit cooperative whole's strategic target, personal wealth management trade development present situation and the plan has conducted the analytical study, causes personal wealth management the plan to set up has pointed. Third, the overseas financial organ personal wealth management service's experience uses for reference.Fourth, the development experience of abroad commercial bank's personal wealth management to use for reference.Fifth, take the Shandong Province Rural credit cooperative as the example, has designed the development plan of our country financial organ's personal wealth management, and put forward the reasonable proposal to our country financial organ personal wealth management market's standardization. According to the present development situation of the financial organ's personal wealth management, proposed the feasible development strategy.This article innovation spot lies from the domestic and foreign related financial managing finances theory concrete application embarks, links to the reality which and the domestic Rural credit cooperative actual management present situation the Shandong Province Rural credit cooperative reforms, introduces the overseas advanced managing finances tool, develops the managing finances service to the Rural credit cooperative to have certain instruction function, and has certain reality and the theory significance to the Shandong Province Rural credit cooperative's personal wealth management.