The Research Of Personal Wealth Management In Commercial Banks

Since the socialist market economy in China has developed for 30 years,it has attracted worldwide attention.China has become the most powerful economy in the third world at one fell swoop.China's economy is still developing steadily.Relative to the period of reform and opening up,the material living standards of the people have already improved substantially.In the past China's economy is the basic pattern of monopoly of state-owned enterprises,with the deepening of economic reform,private and individual industry has played the great role in the economic development,not only brought a large number of employment opportunities,and made great contribution to the growth of national income.What follows is a great change in the rules of income distribution,and a diverse pattern of income distribution begins to rise.Although the income of residents has increased substantially,but the concept of consumption is generally conservative,so the growth of deposits of residents is rising.Then the common people have to face one problem is the maintenance and appreciation of personal property,because the personal assets are increasing,but the rate of inflation is also rising.This article is divided into five chapters,the first chapter expounds the purpose and significance of the research,and introduce the related research results of domestic and foreign scholars on personal wealth management business,leads to the key problems that need to be solved in this article.The second chapter introduces the connotation,extension and development process of personal wealth management,and makes some suggestions on the concept and background.The third chapter focuses on the analysis of the current situation and the existing problems of the personal wealth management business of commercial banks in China,analyse from the aspects of the necessity,demand,supply,operation mode of the current situation;exposing the problem from the aspect of macroscopic understanding,the quality of employees and management mechanism.The fourth chapter uses the enumerated analysis method,analyzes the advanced experience of the individual wealth management of the outstanding commercial banks in developed countries,and then finds out the reference and inspiration for the personal wealth management business of China's commercial banks.Through the analysis of the first four chapters,the fifth chapter puts forward countermeasures and suggestions to promote the personal wealth management business of commercial banks in China.First of all,establish personal wealth management brand,build brand culture.Secondly,develop high-end customer development strategy,targeted to expand high-end customers.Thirdly,enhance the overall ability of the wealth management expert team.Fourth,enhance the competitiveness of products effectively.Fifth,enhance the market competitiveness of financial brands.Finally,optimize the examination incentive system.In summary,this article uses a large number of data,starting from the research background,research purposes,research methods,analyse the current situation of China,put forward the existing problems,contrast and draw lessons from foreign advanced examples,and finally put forward the countermeasures and suggestions in line with reality.