Post-financial Crisis Era Development Trend Of Bank Wealth Management Business

A sharp fall happened in the global economy after the U.S. subprime mortgage crisis in2008，which means a beginning that the most serious global financial crisis and economicrecession after the second world war. With the cooperation of countries all over the world, atpresent the global economy has entered a typical state which was called "empress financialcrisis ages", presenting a state that the global economy development is not balanced withlarger economic volatility. The economy also face a complicated situation of various pattern,and reached the "Lewis turning point " and the requirements of the development ofagricultural commercialization, so Improving the use of financial assets, human resourcesand natural resources efficiency, to improve the efficiency of economic growth is necessary.In this context, Because of the characteristics of high growth, high income, low capital andlow risk, the wealth management business of commercial banks quickly become acommercial bank attention focus and direction of transformation. Commercial banks thetraditional wealth management mode of commercial banks were shocked and challengedunprecedentedly, leading to the transformation and development of wealth managementbusiness is imminent.In this paper, based on definitely the wealth management as a commercial Banks tospeed up transformation development direction, we analyzed the present businessdevelopment situation of the wealth management of commercial bank in our country, revealthat some existing questions at present, such as Products and services homogeneity serious,loss of customer benefit because of the "performance driven", lack of the customersegmentation abilities, and the development mode of "take the customer as the center" hasn’trealized, combined with domestic and foreign economic development situation, such asfinancial disintermediation is more serious, tightening in the external supervision, rapidlyaccumulating of residents wealth together, and opportunities and challenges of bank wealthmanagement business by the constant growth of financial needs bring, take successfulexample from process of Taiwan bank in the opening market and the interest ratemarketization, do some research and discussion about wealth management businessstrategies and the developing trend in the future, for domestic commercial banks In thebackground of "empress financial crisis ages".