| In recent years,under the environment of the global economic and financial integration,China’s commercial banks are facing the enormous pressure of business transformation.The international and domestic economic and financial environment is changing rapidly,and the interest rate of liberalization accelerates;the huge investment demand brought by the increase of domestic residents’ wealth and the limited financial products and services provided by domestic commercial banks are becoming more and more prominent."financial disintermediation" Accelerated Transfer of Savings Deposits in Domestic Commercial Banks.China’s commercial banks rely solely on the pursuit of scale and quantity expansion of the extension of the growth mode will be unsustainable,and they will inevitably transfer to the retail business and intermediary business direction.however,the bank’s wealth management business is precisely at this stage of China’s commercial banks in the transition period of strong competitive means,it can not only bring more commercial banks intermediary business income,but also to attract the bank’s internal stock customers and potential customers outside banks,In order to bring the steady development of savings deposits business.According to statistics,in the end of 2016,China’s commercial banks financial products balance of up to 29 trillion yuan,without suspense to continue to occupy the asset management industry leader position.Savings deposits,which are the most important source of funds for commercial banks,are essential for asset and liability management of commercial banks.China’s household savings deposits have maintained steady growth,but in recent years,with the substantial expansion of the scale of bank financial products,its share in the bank’s individual customer assets decreased year by year.To this end,the financial banking products and savings deposits between the impact of deep research,is currently in urgent need of research and solve the problem.This article begins with theoretical research.Through the relevant research literature at home and abroad can be seen in the development of China’s commercial banks,the views of the reasons for the development of financial business are basically the same;but for the commercial bank financial business on the savings deposit business impact,there is a big difference.Secondly,by reviewing the development process of bank finance,summarize the different characteristics of the four stages,such as budding,rising,trough and accelerating development.After briefly introducing the types of bank financial products,we have expressed concern about the "hidden guarantee" and "rigid payment" caused by the operation mode of "fund pool" matching "asset pool" at the present stage.Thirdly,this paper uses SWOT analysis method to analyze the development of bank financial management business.Bank financial products in the continuous raise of income and financial awareness continue to strengthen the background,relying on their own credit,channels,customers and other aspects of the advantages of rapid development,and with economic development,banking and financial management business will face a broader space.But at the same time,the bank financial products in product design positioning,marketing services and risk prevention and control and other aspects of information still have problems.At present,in the face of increasingly stringent regulatory environment,industry competition and market competition and the challenges of marketization of interest rates.Commercial banks can only follow the development of the times,to accelerate business product innovation,self-improvement,thus they can maintain long-term development.Then,by selecting C Bank as a research case,observe the development of financial products and savings deposits in recent years.The results show that commercial bank financial products have become the most important asset allocation tool for bank individual clients after savings deposits.At the same time,different levels of customer contribution to the retail business indicators increased step by step.Then,establishing the statistical analysis model,regard the C bank savings deposit balance and financial sales as the statistical variables,and use the statistical software for testing,getting the regression equation of the relationship between the savings deposits and financial products sales.Finally,this paper concludes that bank financial sales have a significant impact on the savings deposits,and there is a very positive correlation between them.At present,commercial banks should vigorously develop their wealth management business to cope with the inevitable trend of business transformation to retail business... |
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