Research On The Development Of Personal Financial Management Business Of Agricultural Bank Of China Huai'an Sub-branch

With the continuous development of China's economy and the increasing disposable income of residents,along with the impact of the central bank's gradual reduction of deposit interest rates and high inflation rates,people have proposed to improve the bank's wealth management business in order to preserve and increase the value of their assets.Higher requirements,and for commercial banks,personal wealth management business as part of the bank's retail business has become an important source of increased profits for banks,so in order to seize market share,banks have taken various measures and measures to vigorously develop wealth management business.The Agricultural Bank of China Huai'an Branch is affiliated to the Shijiazhuang Branch.The Huai'an Branch has vigorously promoted personal wealth management business.It is not only the need for fierce competition in the entire financial market,but also the inherent requirement of the Bank to improve its viability and profitability.In recent years,the personal wealth management business of the Huai'an Branch has made great progress.With the rich variety of wealth management products,the number of quality wealth management customers has increased,and the wealth management business has increased year by year.The personal wealth management business has shown a good development trend.However,regardless of personnel professionalism,product design or product operation,the financial market of our bank has not been fully opened,and customer recognition needs to be improved.There is still a big gap compared with other commercial banks.There are still many problems worthy of We have gone through research and hope that through the research of this article,we can provide some reference for the more benign development of our wealth management business.Based on the example of the behavior of the Agricultural Bank of China,the paper analyzes the various problems existing in the wealth management business of the Bank,seeks solutions to improve existing problems,and combines advanced technologies and market trends to explain the significance of strategic adjustment of personal wealth management business.Compared with other domestic commercial banks and Internet finance companies,they find the advantages and disadvantages of their own wealth management business,study the techniques of learning from each other's strengths,use financial theory,design anddevelop financial products suitable for their own development,and explore and create a development suitable for their own development.road.The first chapter introduces the research background and purpose,the research status at home and abroad as well as the research content and methods.The second chapter expounds the concept,main content,development process and related theoretical basis of the personal wealth management business of commercial banks;The introduction of the Luan Branch and the development status of the wealth management business led to the SWOT analysis of the development of the wealth management business of the Huai'an Branch.The fourth chapter pointed out the organization structure,wealth management product structure and wealth management products of the Huai'an Branch in the third chapter.Some problems exist in marketing,customer management and financial management team building;the fifth chapter proposes corresponding development countermeasures and suggestions for specific problems.