Research On Wealth Management Of High Net Worth Financial Customers Of China Post Henan Branc Bank

With the rapid development of the high quality of China’s economy and the steady growth of residents’ disposable income,China’s wealth management market has generally shown a rapid growth trend,and the number of wealth clients and high net worth clients has increased significantly,laying a solid foundation for the rapid development of the wealth management business of commercial banks.Commercial banks have accelerated the transformation layout of wealth management,paid increasing attention to individual high net worth financial customers,focused on the expansion of high net worth financial customers,and increased the development,application and innovation of exclusive products and services for high net worth financial customers,thus the industry competition rapidly intensifying.High net worth financial client wealth management,which is not only focused on the transaction size of customers,but also focused on the profits they bring to the company,so it focuses on the development of private banking business,rolling huge assets with less capital,and maintains a high rate of return.Popularly called the high net worth clients is the wealthy class.High net worth clients are the potential customer base of private banks,which are quite different from the financial service needs in terms of general retail clients.Postal high net worth financial customers have great potential.It is urgent to build a perfect wealth management system,create a differentiated service mode of stratified customer operation,improve the service ability of middle and high-end customers,and promote the transformation of customer structure,so as to realize the high-quality and sustainable development of agency financial business.This paper uses the questionnaire and theoretical analysis,expounds the theory,analysis method and the relevant research model.This paper analyzes the practice cases of the domestic and foreign banks,and combines the whole life cycle of financial clients with high net worth,Merrill Lynch investment clock theory,Markowitz portfolio theory and 4P marketing theory for comprehensive research analysis,providing the necessity and importance of wealth management of commercial banks.first,This paper analyzes the background and research significance of the thesis generation,Then the domestic and foreign literature is summarized,classified and combed;next,It expounds the theory,analytical method and successful experience model of related industries,It provides the theoretical support and the research basis for the later research;third,This paper analyzes the internal and external environment of China Post Henan Branch,the current situation and characteristics of wealth management development,And using the questionnaire method,case analysis method and basic theory,To analyze the problems in wealth management of China Post Henan Branch;fourth,This paper analyzes the future development trend of wealth management of China Post Henan Branch,And put forward the establishment of the system ideas and goals to promote the implementation of wealth management work,Evaluation index design and seven framework system;Finally,the paper puts forward the countermeasures and measures to solve the relevant problems.This paper forms the following conclusions: first,it is of great significance to promote the wealth management of high net worth financial clients;second,it analyzes the bottleneck of the wealth management of high net worth financial clients;third,in order to smoothly promote the implementation of high net worth financial clients wealth management of China Post Henan Branch,it combines the group strategy from customer management,organization management and team building.