Optimization Study Of The Personal Wealth Management Mode Of Bank Of Communications B Branch

In recent years,along with an increasingly competition among various domestic commercial banks,business innovation has become the core of development.Among these,personal wealth management business is highly valued,which also present different maganement modes.But the existing management is difficult to meet the needs of domestic financial markets,so how to improve and optimise the personal wealth management mode becomes important research topic.In this paper,related concepts of the personal wealth management mode and several typital management modes are firstly introduced in theory,and analyzes the characteristics,operation mechanism and operation conditions of different management modes.On this basis,main with Bank of Communications B branch for research object,which the development process of the personal wealth management mode and the operation situation and the effect of the current management mode are described.Secondly,selects representative interbank competitors in the B region,including the Construction Bank as the representative of the large state-owned joint-stock commercial banks and the China Postal Savings Bank as the representative of typical retail commercial banks,which of the present situation of their personal wealth management modes are comparatively analyzed.In order to better understand the personal wealth management mode operation present situation of Bank of Communications B branch,through the way of questionnaire investigation in B area,obtain relevant information,which further analyzes the operation characteristics of the management mode of the bank.And combined with the comparative analysis of representative interbank competitors in the B region above,comprehensively analyzes the advantages and disadvantages of the operation of personal wealth management mode of Bank of Communications B branch,and analyzes the problems of the operation of its management mode on focus.Lastly,on this basis,suggests ways to optimize the personal wealth management mode of Bank of Communications B branch,so as to form a paper with practical significance.