Comparative Analysis On The Wealth Management Business In Chinese And Foreign Commercial Banks

With China's economic development, China's comprehensive national strength increased, significant increase in disposable income, household wealth management awareness for the development of banking wealth management business provides a basis. Customers prefer a targeted, non-standardized integrated financial services. In this paper, in-depth study of the wealth management business of commercial banks conducted to guide investors to establish a healthy and correct investment philosophy, to promote the commercial banks to finance the sustainable development of the market has made some contribution. Wealth management business is an important component of modern commercial bank profits, it plays a strategic role in the development of commercial banks. However, the development of China's commercial banks wealth management business is not yet mature, foreign banks have a wealth of experience in the wealth management business, there is a big gap compared to its on China's commercial banks wealth management business objective. Therefore, how to learn from foreign commercial banks incorporated in the wealth management business experience theory, while China's national conditions, to find a way for China's commercial banks wealth management business innovation and development, is a very important issue.Combining individual practice and study of domestic and foreign commercial banks wealth management business-related literature at home and abroad theory and its application of the sort. Horizontal and vertical comparative analysis, demand from domestic commercial banks wealth management, supply and trends three aspects of the current development of domestic commercial banks wealth management business. After the introduction by the United Kingdom, the United States, Japan and other countries, a representative mode of operation and development pattern, summary overseas wealth management business present characteristics and experience to understand the status quo of China's commercial banks wealth management business problems and provide a reference standard. Finally Differences between domestic and foreign commercial banks wealth management business five dimensions of analysis, study China's commercial banks wealth management business development of the existing problems.Through horizontal and vertical comparison of domestic and foreign commercial banks wealth management business, our country can come from commercial banks to improve the external and internal environment in two ways. To actively promote the supervision of banks, banks healthy and steady development, and improve relevant laws and regulations, to accelerate the development of China's financial market constantly revise locate banking wealth management business, to look for opportunities of their own development, optimizing wealth management business development external environment. For commercial banks themselves, from an elevated level of innovation of financial products and services, strengthen the training of national financial philosophy, focusing on training and other aspects of professional practitioners to strengthen itself. Although the financial industry continues to appeal to mixed, but under the relevant laws and regulations are not perfect situation also failed to achieve. Separate operation sub-sector management is now used in the domestic financial system, in this system, China's commercial banks can try to develop cross-sector financial business, the use of "sub-sector management, mixed-sector cooperation," the idea to seek their own development.