| With the rapid growth of China’s economy and the continuous improvement of residents’ income level to maintain and increase the value of assets is becoming people’s urgent desire. Therefore, the wealth management product of commercial banks is gaining more and more attention. In recent years, all kinds of banks in China have given priority to the business of financial products and have spent a lot on it. The records of the financial products have been exceeded over and over again in number and scale.In2010, the Lanzhou Bank began to get involved in financial markets. Because of the late involving, there are large gaps between it and State-owned commercial banks and joint-stock banks on the mode of business, the design and creation of the product and customer retention. In other words, Bank of Lanzhou has to face a lot of difficulties and challenges in the process of developing this kind of business. On the basis of the introduction the products, the emphasis of the paper is to analyze the potential problems of developing, marketing, risk control and service and the reasons of the risks. In the meanwhile, several solutions are suggested such as improving the external regulatory and internal control environment, intensifying the creation of financial products, enlarging the existing marketing channels, improving customers’satisfaction and employees’professional skills and promoting investors’ education. |
