The Design Of The "Hao Yun Rui Xue" Personal Financing Products Of The Z Bank

With the development of the economy and the advent of the Internet finance era,people's idle funds have been accumulated,and the wealth management product market has also seen rapid development.People eagerly hope that the funds can be appreciated,and all commercial banks also hope to bring profits to banks through the management of wealth management products,and promote the further development of the wealth management market in the balancebetween supply and demand.However,existing wealth management products in the market are relatively homogeneous,lack innovative and personalized services.Bank Z is a local bank in Z City.,There are many problems in the existing wealth management products.They need to cater to the financial needs of the general public and design personalized financial products to provide better services to the public.This article first introduced the background and significance of designing wealth management products,and then elaborated the current situation of China'scommercial banks' personal wealth management services,and outlined the existing wealth management services of Z banks.Explain the characteristics and existing problems of its four wealth management products,“Hao Yun Rui Ying”,“Hao Yun Ru Xiang”,“Gao Jing Zhi Ke Hu”and“Ge Ren Yin Hang”.Based on the above analysis,we designed "HaoYunRuiXue" personal wealth management products."HaoYunRuiXue" financial product is a floating-return wealth management product that is mainly launched for the mid-range investors in the Z-city.Customers who purchase "HaoYunRuiXue" financial products can enjoy all the additional services of the product,including: free Z Bank Discount Cards,professional financial management services and financial customer activities conducted on statutory holidays.Moreover,the "HaoYunRuiXui" financial product has been innovative in terms of purchase,not only eliminating the tedious process of purchasing wealth management products,but also integrating artificial intelligence technology into them,and has achieved the effect of advancing with the times.Then we further analyzed the market analysis,feasibility analysis,and yield and risk analysis of the "HaoYunRuiXue" financial products,indicating that the financial products have a certain market development prospects and consumer acceptance,and in the case of minimizing risk,certain benefits can be achieved.Finally,the promotion strategy of “HaoYunRuiXue” financial products was researched and analyzed from three aspects: product strategy,customer strategy and channel strategy,so as to enhance the visibility of “HaoYunRuiXue” financial products.