The Status Quo And Development Suggestions Of The Wealth Management Business Of Commercial Banks

Wealth management business of commercial Banks in China is started in the late 1990's,although after nearly 10 years of development,but is still in its infancy.Our country present stage of wealth management market has already formed the wealth to private Banks,trust.Business finance,fund and insurance as the main structure.Therefore,defining the connotation of wealth management business,to explore the successful business model,healthy and stable development of wealth management business at present has important practical significance.This article around the wealth management business of modern commercial Banks in China and the operation mode are studied.First of all introduced the selected topic background and significance of this article and the research train of thought.Secondly expounds the wealth management related theory research.On this basis,the current situation of wealth management business of commercial bank has carried on the empirical study,analyzes the China's commercial Banks to wealth management business model,aiming at the existing defects of commercial bank's wealth management business model,and put forward the feasibility of commercial bank's wealth management business model recommendations.This paper puts forward that,the wealth of the matrix management model more accord with the characteristics of the wealth management business,more conducive to improving the efficiency of bank internal resources.Under the background of market-oriented interest rate further in China,the wealth management business will become a profit model,realize the steady development of one of the important pillars.Our country present stage development of wealth management business,perfect product system and personalized service will greatly enhance the competitiveness of the bank wealth management business.Therefore,the domestic commercial Banks should be according to the characters of wealth management business tailored risk management regulations,to ensure stable and orderly development.