Research On Personal Wealth Management Business Optimisation Of Noah Holdings Limited

With the rapid development of China's economy,the scale of China's personal investable assets has gradually expanded,and more and more high net worth individuals have appeared.The number of high net worth customers in China has leapt to the second in the world,second only to the United States.The planning of professional financial management institutions is receiving more and more attention,which promotes the rapid development of wealth management business.Among them,the development prospects of third-party wealth management institutions are very good.In addition,macroeconomic policies such as the Belt and Road Initiative have increased the number of high net worth customers and the size of personal investable assets by promoting economic development,further promoting the development of wealth management institutions such as banks,public and private equity funds,and insurance,coupled with the rise of big data."Internet +" has gradually demonstrated the potential and value of Internet financial platforms,and wealth management institutions have ushered in opportunities in China.Noah is one of the earliest third-party wealth management institutions to go public in China.Its market size,number of customers,types of products it operates,and its service capabilities are among the industry leaders.In the fierce market competition environment,the development of Noah Management Co.,Ltd.'s wealth management business center is also facing many opportunities and challenges.Researching how to deal with these difficulties and challenges and maintaining the leading position in the industry is a problem that Noah Wealth needs to solve.It has very important practical significance for the sustainable development of the company.Based on the theories and development processes of wealth management at home and abroad,this paper analyzes the financial report,business model and development of Noah Wealth Corporation by referring to the experience of financial institutions in the wealth management business.Manage the problems existing in the business,and design the wealth management business optimization plan according to the problems,propose specific optimization content from the aspects of customer segmentation,product mix,strategic layout,etc.,also measure the risk of the customer's allocation of assets,and list the risk control measures Finally,it puts forwardsafeguard measures to optimize operating efficiency.Due to the increasingly obvious customer demand-driven characteristics of the wealth management industry in China,customer-centricity has become the focus of competition in the wealth management industry.The wealth management industry has gradually carried out asset allocation and even personalized customization through wealth management platforms to fully meet customer needs,and use wealth management Noah Wealth Co.,Ltd.,the main business,has certain competitive advantages in the industry,business development risks are relatively small,and customer management and service systems are sound.The implementation of wealth management business optimization programs can promote the rapid development of companies and industries.