An Analysis About Factors Affecting The Growth Of Corporations' Wealth Management Business Of Z Commercial Bank

In recent years,with the rapid development of the society's economy,China's economy has maintained a high-speed growth trend.At the same time,the interest rate marketization process has accelerated and the competition of commercial banks has further intensified.Especially in the context of the perfect domestic capital market,interest rate liberalization and financial disintermediation have gradually emerged.For a long time,corporate wealth management business has been one of the profit growth points of commercial banks.With the rapid growth of China's economy,the company's profitability continues to increase,corporate wealth continues to accumulate,idle assets increase,and corporate financial needs continue to increase.In the past ten years,with the increasing proportion of corporate wealth management business,the income generated by the intermediary business has been stable and considerable,and all banks have begun to attach importance to the expansion and sustainable development of this business.This article first explains the significance,background,historical evolution of the company's financial management business,and related theories,and prepares the overview and theoretical basis for subsequent research.Then focus on analyzing the current status of the wealth management business of Bank Z and Hangzhou Branch,combined with internal business data such as sales of Bank Z,sales of intermediate business,number of customers,customer base industry,etc.,and point out the current deficiencies.Then select internal and external variables for empirical analysis,explore the correlation between the six variables and the existence scale of bank wealth management products,analyze and prove the number of bank wealth management products,customer groups,comprehensive operating strength,credit investment,central bank monetary policy,enterprises The correlation between the production and operation status and the company's wealth management business forms a conclusion.Through data analysis and empirical analysis,this article explores how to formulate practical product and marketing optimization plans in the current financial environment.Aiming at the problems and deficiencies in Bank Z's wealth management business,based on the market segments and customers selected by the target customers,synchronize the value proposition,marketing channels,and customer relationships that match customer needs,and further build key businesses that support the product and service system Activities and core resources,to develop development strategies through product innovation,marketing service system,customer base management and brand building,etc.,so as to enhance the market competitiveness of Z Bank.The research conclusions of this article focus on transformational empowerment and model wins,and carry out professional research on customer modules and banking product and service modules to provide a solid capability support for commercial banking companies' financial management services towards the new economy.