The Research In Wealth Management Business Of CIB

With the continuous, rapid and sound development of Chinese economy, the residents have improved the awareness of modern finance and shown strong interest in investment. The demands of financial service are diverse. As a result, wealth management is becoming a key sector for commercial banks. This thesis conducted a detailed analysis on foreign and local bank's wealth management with a systemic discussion about the advantages and disadvantages of local banks' wealth management. We also discuss the mode of local banks' wealth management development with a case study of China Industrial Bank. It aims at on the one hand to help Chinese Industrial bank have a comprehensive idea on wealth management business, on the other hand to give it some helpful and practical suggestion on handling wealth management business.There are five parts in this thesis:Chapter I deals with the background and research significance of the wealth management of commercial banks, and provides a summary of research literatures of wealth management.Chapter II deals with the theoretic basis of the wealth management services of commercial bank, including Life Cycle Theory, Market Segment Theory and Portfolio Theory.Chapter III introduces the present situation of local banks and China Industrial Bank and makes a case study of A city's long-term debt management of the project of sewage disposal plant to reveal the advantages and disadvantages of China Industrial Bank's wealth management.Chapter IV introduces the history and present situation of wealth management in foreign banks. First we introduce the history and current situation of wealth management in America and Switzerland .Senond we make a comparison between local banks and foreign banks with phase, product differences, product portfolio, Emphasis on brand strategy and so on, and provide a reference to local banks.Chapter V makes countermeasure for China Industrial Bank's wealth management from the perspective of software and hardware. From the hardware aspect, we should perfect marketing system, establish human resource and marketing teams. From the software aspect, we should Increase Support, Acceleration of wealth management, improve the quality of service and the capability of risk management, enhance the customer relationship management. If we carry out all these activities, China Industrial Bank's wealth management will realize substantial development.