The Wealth Management Problems And Countermeasures For The Customers Of FX Capital Which Under New Regulations

On April 27,2018,the people's bank of China,the insurance regulatory commission of the people's bank of China,the China securities regulatory commission and the state administration of foreign exchange jointly issued the guidance on regulating the asset management business of financial institutions.The main contents of the "new asset management regulations" can be summarized as the following points;first,unify the regulatory standards;Secondly,multi-layer nesting is eliminated to prevent regulatory arbitrage.Third,break the rigid payment;Fourth,further standardize the capital pool,reduce maturity mismatch and reduce liquidity risk.In the midst of "information technology new rules" adhere to the principle of problem oriented,regulators for the asset management business integration,classifies norms of asset management business,at the same time for the same type of products to establish a unified regulatory standards,attaches great importance to the regulatory coordination,to ensure that financial regulation have good unity,professionalism,and penetrability,to safeguard the stable development of the financial market order,within the scope of the whole society fostered good investment consciousness and risk consciousness,is of great significance for domestic financial circles,also open a landmark for wealth management industry's development.Since China's reform and opening up,economic and social development speed rapid,accumulated the massive amounts of wealth,especially in recent years the domestic household wealth maintained a rapid growth,and although the next few years China's economy will enter a "new normal",but it can be expected is the social wealth accumulation will still maintain rapid growth.With the promotion of economic development,the number of high net worth individuals continues to increase,and the scale of assets held is also growing.Especially for high net worth individuals,the demand for "customization" in financial management is increasing day by day,and there are new changes in both investment philosophy and investment methods.On this basis,this article to FX wealthcompany customer management as the research content,basic features clear high net worth clients group,organizing FX wealth development status and existing problems of the company's customer management,focuses on analyzing customer wealth management approaches to development of targeted put forward the countermeasures and Suggestions,and for the future development trend of wealth management was discussed.Through this study,in order to provide a reference for the wealth management work of wealth companies.