Analysis Of Financial Management Business Of P Bank Under The New Regulation Of Capital Management

For nearly 20 years,China’s economy has grown rapidly.It led to a rapid increase in household wealth and a growing demand for wealth management-related investments.At the same time,the central bank has cut the benchmark deposit and lending rates several times,which has caused interest income of banks to plummet.At present,it is obvious that commercial banks can no longer rely solely on the interest rate differential to obtain income,so they have to start vigorously expanding intermediate business to improve the non-interest income of banks.In the long-term business process,commercial banks’ investment and financial services are faced with the hidden dangers of rigid payment of investment returns,nesting with layers of corporate bond projects,increasing the level of capital leverage,expanding from on-balance sheet to off-balance sheet to avoid government regulation and other risks,for the sake of promoting the asset management business to embark on a more benign development track,return to the origin of asset management services,the New regulation of capital managementwere formally introduced on 27 April2018.The most significant change to the daily operations of commercial banks is that future wealth management products must break rigid exchange and transform to net worth.The emergence and subsequent implementation of the new regulations has caused a strong impact on the entire asset management industry,and banks’ wealth management business has also had to face huge shocks brought about by strong regulation after the adjustment of the new regulations.In view of the fact that some wealth management products before the new regulations have not yet expired and the majority of investors need some time to adapt to and accept the transformation of wealth management products,the new regulations have not been directly implemented in full,but only by strictly limiting The new regulations did not come into full effect directly,but only by strictly limiting the scale of the old expected-income wealth management products of commercial banks in the early years,while encouraging commercial banks to carry out research and development and promotion of new net-worth products as soon as possible to ensure the transition to the new regulations.After a transition period of several years,rectification,regulation and transformation have begun to show results among commercial banks.In August 2020,the Central Bank again announced that the transition period of the new regulations will continue to be extended and will be fully implemented by the end of 2021,there will be both old products with expected returns and new net value wealth management products,and investors can be acquainted with the new regulations during the transition This transition period is a challenge and an opportunity for commercial banks to market their wealth management business.This transition period is a challenge and an opportunity for commercial banks’ wealth management business marketing.Which bank can adapt to the transition of net-worth wealth management products under the new regulations as early as possible and better guide investors to make asset allocation in the new era will be more able to adapt to the future market changes and gain a larger market share.This paper selects Bank K Branch to analyse the various problems under the transformation of the new regulations,further analyzes Bank K Branch by using SWOT cross-sectional analysis,takes 7Ps marketing theory as the theoretical guidance,analyzes from seven aspects as the entry point and proposes The 7Ps marketing theory is used as a theoretical guide to analyse seven aspects and propose strategies that will help Bank P to better market its personal finance business and gain more customers and market share.