Research On The Mode Of Wealth Management Service In BOCOM Tianjin Branch

The economy of China keeps rapid increasing for a long while; the disposable income of residents is increasing unceasingly, which creates a group with high income and strong consumption power. The group needs professional financial services to avoid the risks. Depending on these services, the banks can help customs manage their assets, liabilities and liquidity; provide a variety of financing information and investment proposals; reduce the customer's investment and financing risks. At the same time, facing increasingly fierce competition in the bank industry, Bank of Communications Tianjin Branch should change the traditional business model and explore a new profit point. According to the overseas mature commercial bank's experience, it is possible to bring extra profit by offering the highly effective financial services to the high-end customers. Wealth management is a kind of service such as this: on one hand, it may satisfy the demand of the commercial bank to pursue the new profit point; on the other hand, it may satisfy the demand of high-end customers to avoid risks and achieve the wealth goal. So, wealth management should become the most important service which Bank of Communications Tianjin Branch will develop in the future.First, the paper introduces the resource background and approach. And then theories related with wealth management are illustrated. Based on all of these, we conduct an empirical study on the fact of wealth management in Bank of Communications Tianjin Branch. Then we analyze the mode of wealth management service that the bank executes. At last, we provide some advice to promote the wealth management service mode for the bank.The paper adopts the research methods of theoretical study and empirical study. And it also reference related theoretical knowledge, such as economy, management and so on. The combination of theory and practice make the research deeper and thorough.