| After Everbright Bank launched its first RMB wealth management product in 2004,some banking institutions launched financial products one after another,and the financial management market began to rise.In recent years,the personal financial management business of commercia banks in China has developed at a high speed.On the one hand,with the process of interest rate marketization leading to the narrowing of deposit and loan spreads,as well as the trend of internationalization and diversification of the financial industry,banks themselves need to transform and develop intermediate business;on the other hand,due to the increase of disposable income of Chinese residents,traditional interest income can not meet the needs of asset maintenance and appreciation,personal financial awareness awakens,bank finance has become one of the most popular financial asset investment channels.Due to the lack of unified supervision,the rapid development of domestic capital management business provides arbitrage space for financial institutions.In order to prevent the occurrence of systemic financial risks,regulators have issued a series of new regulations on capital management.The new rules aim to guide the capital management business back to its origin,eliminate regulatory arbitrage and serve the real economy.In the long run,the new rules will promote commercial banks to manage risks more effectively,realize the transformation from extensive to fine management,and change from homogenization to differentiated competition,but in the short term,it will bring "pain" to the financial management business of commercial banks.This paper takes the personal financial management business of Bengbu Branch of Z Bank as the research object,adopts the investigation method to find the problem,and carries out the research idea of "discovering the problem,analyzing the influence,positioning direction and putting forward strategies".First of all,combined with the background and core points of the new capital management rules,this paper analyzes the impact of the new regulations on the personal financial management business of commercial banks,breaking the rigid payment,the decline of the rate of return of wealth management products,the increase of the duration of medium and long products,the establishment of financial management subsidiaries,and so on,make foreshadowing for the later research.Secondly,this paper introduces the overall operation,development process and personal financial business operation of Bengbu Branch of Z Bank,analyzes the necessity of developing personal financial business in Bengbu Branch,and sums up the existing strategies of personal financial business in Bengbu Branch,including responsibilities and authority,brand building,product innovation,customer relationship,sales channels and risk management.Thirdly,by determining the purpose and goal of the investigation,using the method of questionnaire survey and analyzing the results of the survey,this paper finds out the problems existing in the existing development strategy of personal financial management business of Bengbu Branch of Z Bank,and analyzes the impact of the current problems combined with the new rules of capital management.Finally,according to the transformation direction of personal financial management business of commercial banks under the new rules of capital management,in view of the existing problems and effects of different development strategies,according to the principles of customer-oriented,incentive and compliance,the optimization scheme of personal financial management business development strategy of Bengbu Branch of Z Bank under the new regulations of capital management is designed,that is,to clarify responsibilities,strengthen brand building,attach importance to product innovation,improve customer relations,improve sales channels and comprehensive risk management,and so on.Multi-dimensional power,promote personal financial business back to the source,serve the public,service entities. |
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