Research On Financial Planning For High Net Worth Clients In Agricultural Bank H Branch

In recent years,the personal wealth of Chinese citizens has steadily increased,and the demand for financial investment has increased accordingly.For Banks,high net worth clients in wealth management are one of the most attractive segments of their personal customer base.Major Banks have launched private banking operations to provide wealth management services to the wealthy,to take advantage of low costs for high profits and to break through the increasingly narrow margins of Banks.At the same time,with the economic development of China,the number of high net worth clients in China has been increasing year by year,especially in recent years,the economic growth has slowed down.The investment of high net worth clients in China tends to be rational,and more professional financial institutions are urgently needed to provide services to help manage assets,so as to realize the preservation and appreciation of their assets.In this context,domestic commercial Banks have mushroomed to conduct private banking in the same way as foreign ones.However,at present,private banking services in China are still in the product-oriented stage,which is far from the advanced developed countries with mature high net worth customer segmentation system and comprehensive financial services.How to develop private banking more professionally is the key for commercial Banks to compete with each other.Based on the analysis of the domestic and foreign research review of the topic,this paper studies the relevant theories and methods involved in the asset allocation process of high net worth customers,and summarizes the profile characteristics of high net worth people by analyzing the current situation of high net worth people,including population size,geographical structure,age and industry analysis.On this basis,this paper analyzes the wealth goals and asset holdings of high net worth people,and through the comparison of the current situation of financial planning of commercial Banks at home and abroad,summarizes the achievements and deficiencies of the current financial planning process of commercial Banks in China.Through the discussion on specific finance cases,the whole process of the design of the card management scheme is understood,the financial objective is discussed,and the optimization countermeasures and schemes are explored.Through the research of this paper,the specific research tasks have been completed and the expected research objectives have been achieved.The research results of this paper have important theoretical significance and practical value for improving the financial planning process of high net worth clients of bank H,optimizing the design of financial planning scheme,improving the effectiveness of financial planning scheme implementation and realizing the sustainable development of wealth management of high net worth clients of bank H.