Research On Profit Pattern’s Optimization Of China’s Third Party Financial Management Institutions

Since the reform and opening up, China’s economic grow sustained and rapidly, income is also rising, the mass affluent class and high net worth individuals will continue to increase, in this context, personal financial market in our country is developing rapidly, in recent years, regardless of the size of the market, or the market depth are a huge improvement. With the development of personal financial market participants, in addition to traditional banks, funds and other financial institutions also appeared a new number-third party financial institutions.Third party financial is a product of the wealth management market development, continuous refinement. Third party financial institutions as a financial intermediary service institutions, is an important part of financial market, which has a very important role. Third party financial institutions not only provide an effective management methods for people of their assets, but also can effectively guide the flow of funds, the funds flows to the financial products and tools which are really good, and the corresponding to these financial products and tools of investment field is often has good development prospects and value, and this indirectly promote the healthy development of the economy. At the same time, the third party financial services as a supplement of traditional financial institutions’financial services, with its independence, personalized, comprehensive features, also can make up for the lack of financial services from financial institutions, and will help to further improve the financial market.Third party financing in China’s development time is not long, but the development speed is very fast, the number of domestic third party financial institutions has reached tens of thousands, but from the development scale and related factors of perspective and there is a large gap between the mature market, the overall is still in the initial stage. In such a period, the third financial institutions in China both in the self-positioning, or accumulated in its competitiveness are at the exploratory stage, the overall development is still relatively confused, with no clear profit model, different third party financial institutions profit pattern also is different, some third party financial institutions’profit model even exist legal risk, walking in the grey way of the law, and what’s more some are engaged in illegal fund-raising activities. Therefore, in considering the benefits of third party financial and its problem of profit pattern in China, it is necessary to study the profit pattern of China’s third party financial institutions, to better promote the development of the third party financial market and the perfection of financial marketIn this paper first introduces the research background, significance and research method. The essence and characteristics of third party financial and real environment for the development of third party financial in China are analyzed, show the internal and external factor of third party financial institutions’ development, then analyzes the status quo of profit pattern of development third party financial institutions in China, points out the existing problems, finally, according to the third party financial essence and characteristics, combined with reality of China, and puts forward some suggestions for optimization of the profit pattern for the third party financial institutions.The full text is divided into five parts.The first part is the introduction, mainly on the issue of China’s third party financial institutions profit pattern optimization, the significance of the topic, the framework and research methods and the innovation and insufficiency of this paper.The second part introduces the third party financial service’s origin, concept, and then compared with the traditional financial institutions’financial advisory services and analyzes the main characteristics of third party financial services, based on the core competence of the third party financial institutions, provide the intrinsic basis for the optimization of the profit pattern of third party financial institutions.The third part, mainly discusses the background of development of the third party financing of our country, the favorable factors and constraints which are summarized, giving the external conditions on the optimization of profit pattern of China’s third party financial institutions.The fourth part, elaborated on the concept of profit pattern and importance, analyzes and summarizes the third party financial institutions’existing profit model in our country, pointing out the problem of third party financial institutions’ existing profit pattern. Then give the cause of this situation.The fifth part, synthesize the front part analysis, based on the prominent third party financial management institutions’ core competitiveness, combined China’s third party financial institutions’ internal and external environment, to analysis the optimization on profit pattern of China’s third party financial management institutions. By designing and optimizing profit leverage, profit point, profit source and profit barrier, which are the four core elements, to give optimization suggestions, and then present a framework of model profit pattern’s optimization for the third party financial management institutions of China.The research of this paper is based on some theory, some cases and experience, by analyzing the existing problems of the profit pattern of third party financial institutions in China, and then put forward some suggestions, hoping to provide some help for the future development of the third party financial institutions.