Research On The Problems And Countermeasures Of The Transformation Of Third-party Wealth Management Institutions

The development of reform and opening up in the last 40 years in China has drawn on many years of historical experience from developed Western countries to mix its own characteristics.The high-speed economic development worldwide is obvious to all.With the rapid accumulation of private wealth,the demand of domestic residents for investment and wealth management has become increasingly strong.No matter whether it is the total amount of asset management or high-net-worth people,it has shown a rapid growth rate,and there is huge room for development in the wealth management industry.Strong demand has led to the establishment of more and more third-party wealth management companies.As a third-party wealth management company that can supplement the shortcomings of traditional financial institutions,it has experienced nearly a decade of development.After the transition,it still faces many problems.With the gradual expansion of the share of third-party wealth management companies in the financial wealth management market,their transformation and development issues deserve the attention of the government and the public.Under the influence of its own dilemma and external pressure,how the third-party wealth management company chooses the direction of transformation and measures according to its own characteristics and domestic policies and market environment is the key issue discussed in this paper.The article first analyzes the development status of China’s third-party wealth management company and the bottleneck encountered,which leads to the necessity of its transformation.The SWOT analysis of the transformation of third-party wealth management companies under the background of national industrial structure adjustment and optimization upgrade shows that there are still many problems at present,and it also faces great opportunities and challenges.Through the analysis of the management mode of the independent wealth management agency in the United States,we summed up the development experience that is worthy of our third-party wealth management company’s development,combined with the actual operation of D company and its development history,put forward the appropriate transformation direction,and can further promote And to other third-party wealth management companies in China.Finally,from the government,the industry market,and the company’s three levels,the corresponding suggestions and countermeasures are put forward for the transformation,which provides a way to achieve the transformation direction of returning to wealth management.