Research On Structured Financial Deposit Business Development Of Z Bank

Since 2017,the policy of de-leveraging and strong supervision in the financial sector has been continuously increased,and the operating costs of domestic commercial banks have been rising.Under the influence of a series of measures such as the promotion of the transformation of wealth management products into the net value,the new regulations on asset management have reduced the growth rate of wealth management funds,and the pressure on commercial banks has become increasingly prominent.Since structured deposits have the advantages that interest rate pricing is not subject to regulatory restrictions,and the rate of return and marketization is higher than that of traditional deposits,it has become an important tool for commercial banks to absorb deposits,and the scale of business has achieved rapid growth.However,the current structured deposit business in the banking industry has a short development time and lacks corresponding regulatory policies.The development of various aspects is not yet mature.Therefore,for commercial banks,how to better develop the structural deposit business,making it a good tool to absorb deposits and alleviate the pressure on the bank's debt side has become an urgent problem to be explored.Z Bank is one of the national joint-stock commercial banks.Since July 2017,Z Bank has gradually transformed its in-house guaranteed wealth management business into a structured deposit business,and the overall development trend is good.However,due to the initial stage of the Z-bank structured deposit business,there are still some shortcomings in the development process,many of which are also common problems faced by domestic commercial banks in developing this business.In order to solve these problems,Z Bank is the research object,and its structural deposit business is the research goal.Based on the research methods of literature research,case analysis and questionnaire survey,it summarizes the research theories related to structural deposit development at home and abroad.Starting from the development of Z Bank and its structured deposit business,by analyzing the relevant research data and the development status of the structured deposit business,the product development capability in the development of Z Bank's structured deposit business is insufficient,the promotion is not in place,and marketing The methods are backward,the professional level of business personnel needs to be improved,the customer management methods are not perfect,and the products have certain risks.The in-depth analysis is carried out.At the same time,combined with the causes of the problems,the paper puts forward some countermeasures such as promoting product innovation,increasing product promotion and promotion,optimizing product service mode,improving professional competence of relevant business personnel,and strengthening business risk prevention and control.In addition,it is recommended that the regulatory authorities introduce relevant systems to regulate and supervise,refine relevant rules,strengthen the supervision of all aspects of the structured deposit business,and create a good development environment for the bank's structural deposit business.By analyzing the problems and causes in the development of Z-bank structured deposit business,it proposes reasonable and feasible countermeasures for improving the development of structured deposit business.The purpose is to help Z Bank solve the problems of structural deposit business and promote the structurality of Z Bank.The stable and healthy development of the deposit business also provides a useful reference for other commercial banks to better develop the structured deposit business.