Research On The Personal Wealth Management Business Of Baoshang Bank Based On The Perspective Of Customer Risk Appetite

Profits of commercial Banks in China has always been dependent on the higher spreads,but along with our country economy into a "new normal" after the economic slowdown and the advancement of marketization of interest rate in our country,the commercial Banks rely on spreads the pressure as the main source of profits.China's commercial Banks began to gather in the personal finance business has a broad development prospect and huge market space of our business.With gradually into a "new normal" in recent years,our country economy development,economic growth is slowing income growth speed slow and even decline,and people for the future economic growth is expected to adjust,to a certain extent,to stimulate the residents to invest financial activities to keep their living standards will not be the need of volatility,this in the field of financial management needs of the business for commercial Banks to finance business rapid expansion provides a good opportunity.While the emergence of the Internet financial in the Internet and mobile client for the majority of ordinary financial masses provides a very convenient way,which to a large extent to the commercial Banks to maintain its wealth-management business has brought serious challenges.But in this period of opportunities and challenges,the contractor's bank how to comprehensive development of its wealth-management business in order to stand out in many commercial Banks;How to improve the level of financing business service quality and provide more high-quality financial services to the customers;How to innovate and develop products to meet various financial needs customers,these problems have become a problem to be solved in front of contractor's bank.Based on personal finance the risk preference of customers as the main line,using the life cycle theory to guide the customers in different life cycle stage should adopt different portfolios of configuration,through empirical test and analysis of the case to illustrate the contractor's bank a number of problems in the personal finance business and how to better develop financial plans for the customer.In order to contractor's bank individual financing business development provides the basis of the improvement in the future.First of all,based on the research of personal finance business after defining based on life cycle theory and portfolio theory,on the basis of summarizing the research at home and abroad,from the theoretical level to the contractor's bank individual financing business development present situation are summarized and pointed out some problems of the current,as in the financial product sales,financing scheme design,and in such aspects as financial product exists many problems to be solved.Second,through questionnaire to obtain data on contractor's bank personal finance customers,using the fuzzy comprehensive evaluation and analytic hierarchy process(AHP)to measure the risk preference of customers,that even the basic information of similar investors will also because of the different life cycle stages and with different factors such as investment experience ultimately preferences in the wind.At the same time,on the analysis of the existing financial product categories of the contractor's bank on the basis of the relevant case analysis.Finally,this article from the contractor's bank financing business talent team construction,wealth management business information system construction and financing business related risk prevention three puts forward the corresponding countermeasures and Suggestions,in order to the healthy development of the contractor's bank personal financial business in the future to provide theoretical guidance,the contractor's bank can in many commercial Banks to finance business competition.