Research On The Wealth Management Of Commercial Banks Based On The Interest Rate Marketization

This research is written by ZHANG Hao-yuan, who has nearly ten years working experience in the wealth management business of commercial banks. With the help of Professor LIU Xiao-xing this research focuses on how to develop wealth management business of commercial bank under the interest rate marketization. The process of the interest rate marketization is highly generalized in the first part. In the second part, the research introduces the impact to traditional business of commercial bank caused by the marketization of interest rate and then demonstrates that wealth management is an important profit growth point for commercial bank in the future. This research analysis the development of wealth management product?marketing operation and risk management under interest rate maretization, after analyzing the difficult which commercial bank meet at the moment. A large number of examples of China Merchants Bank are cited in the research. The author also presents his own opinions with creation of the development of wealth management. The achievements of this research are valuable for the commercial bank to develop wealth management business.