The Impact Of Interest Rate Liberalization On A's Personal Wealth Management Business And Its Countermeasures

Interest rate market has always been a concern of the financial sector,in recent years,China's financial market has undergone a major reform,the most important is the interest rate market reform.Based on the study of the development of personal financial services development law and the bank interest rate marketization and the A bank personal financial business as an example,to explore the impact of interest rate marketization of personal finance business of the bank and the countermeasures.The main purpose of this thesis is,through the research on personal financial business of A bank,the analysis of personal financial services of the commercial banking problems and countermeasures,so as to guide the A bank in the interest rate market better play their own advantages,improvement and innovation of the personal financial services,and ultimately achieve the optimal allocation of assets,create better financial products for financial markets and customers.In the first analysis of the development of domestic and foreign interest rate market,for example in developed countries the process of marketization of interest rates,the market interest rate to foreign bank personal financial business has brought substantial influence and promotion,and put forward the experiences and suggestions.Secondly,personal financial products services of China's banks make a systematic introduction.In the development stage of the marketization of interest rate,the interest rate market not only brings innovation and opportunities for the A bank's personal financial services,but also brought the competition between the financial sector and increased operating costs for banks,A bank's personal financial services are also facing unprecedented problems and challenges.According to the problems faced at the present stage of A bank,we also put forward countermeasures to solve the problem,this is the meaning of this article,through the rational allocation of assets to solve the single product competition,improving the overall financial planning ability,improve customer viscosity,establish a professional financial management division team,expand market share.The financial planning and asset allocation more professional,for the customer,the fierce competition makes banks personal financial business in the interest rate market,can be in a dominant position,the development of better,the A bank individual financing business development and improvement direction,guidance and recommendations are proposed study on the reasonable countermeasures,personal financial business in A bank to actively respond to the impact of interest rate marketing.Finally come to the conclusion that the development of bank personal financial business to get better in the financial market competition,is to deeply understand the influence of interest rates on bank A,and optimize the structure of products and customers according to the existing problems,enhance the professional financial ability,realize the optimal allocation of assets.