The Research Report On Personal Wealth Management Product Of S Branch Of China Merchants Bank

In recent years， the major commercial bank has introduced personal financial products, to promote financial products market booming, making personal financial products as a variety, rapid innovation, fierce competition of the new banking, commercial banks in the business structure diversification, to meet customer demand and other investments has made tremendous contributions. On the other hand, with the rapid growth of the domestic per capita income, commercial banking customers demand for personal financial products also will be increasing rapidly, and further promote the commercial financial products in a short time has achieved great development and a steady stream of drivers. Because of the huge market demand for financial products and growing rapidly, the major commercial banks in product innovation, to meet consumer demand, on the road to fully exploit the market potential remains to be done.In this paper, China Merchants Bank personal financial products for the study, the use of questionnaires, comparative analysis and other methods to S China Merchants Bank branch personal financial products for the study, from a commercial bank demand for consumer financial products, financial products market supply two angles describes the current situation of personal financial products business S branch of China Merchants Bank, analyzes the factors affecting the demand for personal financial products and ask questions of the branch personal financial product design, marketing, and finally gives some suggestions to the branch as well as the national development of personal financial products, innovation, learning and development has helped.The first part introduces the introduction of this specific research background, purpose and significance of research methods and routes used; chapter use survey data obtained from both basic overview of consumer and investment behavior discussed Merchants Bank S market demand branch personal financial products, and analyzes the factors that influence the demand for personal financial products; Chapter S from China Merchants Bank branch itself, we studied their personal financial product development, the status quo as well as specific varieties, and put the branch Some problems in the development process of personal financial services exist; Chapter IV of the problem raised by the design of financial products, financial products, risk control and financial product distribution channels gives three ways to solve problems and suggestions.