Merchants Bank Of Y Branches Private Banking Case Studies Of "Jin Kui Hua"

2013-2014, China’s macroeconomic development has entered a "new normal" growth with the rate from the high speed turn at high speed. In the economic "new normal" pattern, the China’s private wealth market still maintained a rapid growth rate. The combined effects of macroeconomic factors on China’s private wealth market, in 2015 the overall size of national personal investable assets will reach 129 trillion yuan, an increase of 16% over 2014, and which was flated with 2012-2014; Chinese high net worth population will reach 126 million people, compared with 2014, up 22%; Chinese high net worth population hold wealth will reach 37 trillion yuan, an increase of 17%. From the specific data we can see that China’s private wealth market continues to release a huge market value, which has unlimited potential for development in the future and a bright future.From the bank perspective, first of all, in the context of market-oriented interest rate, the bank will help promote the development of private commercial banking business model transformation, differentiation strategy to meet the challenges which brought by the interest rate market. Second, it is conducive to promot the development of private banking wealth management industry consolidation and the promotion of financial innovation. Finally, the development of private banks conducive the integrity of our financial services system function, is conducive to the protection of national wealth and value.So the development and expansion of private banks not only help to enhance market efficiency, improvement of the national life, but also the main push commercial banks to upgrade and enhance customer-centric service capabilities.This paper is divided into five parts, The introduction describes the lack of innovation and research background and significance of this article; The first part describes the current situation and future development trend of China’s development of private banking; The second part focuses on private banking branch of China Merchants Bank Y Case, First of all, focus on domestic and foreign macroeconomic environment, as well as stocks, bonds, commodities market, gold market development trend. Combined with customer assets, and risk tolerance, Customer asset allocation are described in detail and analysis system, Providing customers with configuration recommendations rationalization, Further analysis of the impact of the Federal Reserve to raise interest rates on the domestic and international economy, And assets of the dynamic configuration. The third part is a departure from the case, and analyzed for the case of advantages and disadvantages. The fourth part case study, to propose specific recommendations to improve the method and countermeasures for China Merchants Bank private banking.