Research On The Improvement Of Private Banking Profit Model Of Zhuzhou Branch Of Bank Of Communications

The operating characteristics of private banking business are mainly large business volume,small asset risk rate,relatively high profits,and wide-ranging business involvement.As commercial banks pay more and more attention to high-net-worth customer business,private banking business has become one of the main businesses that commercial banks compete for.Therefore,the market competition for this business is becoming increasingly fierce.Better development requires optimization and improvement in all aspects.Among them,how to improve the profit model and improve efficiency is a problem that cannot be ignored.In this context,under the guidance of relevant theories and research methods,this study analyzes the problems and deficiencies of the private banking profit model of Bank of Communications Zhuzhou Branch based on the status quo of the private banking business development and profit model of Bank of Communications Zhuzhou Branch.Then,using a variety of methods such as comparative analysis methods,empirical analysis methods and literature research,combined with the three main factors that affect the profit model of private banking business,it puts forward the measures to improve the profit model of private banking business of Bank of Communications Zhuzhou Branch,including private banking business.There are eleven specific improvement measures in three aspects: improvement of banking asset management level,improvement of private banking business risk aversion capability and improvement of private banking business marketing means.Finally,it is proposed that to ensure the implementation of relevant measures to improve the profit model,corresponding human resources,process mechanisms,and brand reputation protection measures should be supported.This paper takes the private banking profit model of Bank of Communications Zhuzhou Branch as the research object,and by sorting out and discussing the profit model of its private banking business,to a certain extent,it will help Bank of Communications Zhuzhou Branch to build a more reasonable profit model from the perspective of long-term development.Improve operating efficiency and level.