Wealth Management Of Commercial Bank In China

Wealth management is a domestic commercial banking business history of innovation and choice, the customer's risk control management system of commercial banks into the historical turning point. Its core essence is allowed in the system within the framework of the full product and service innovation, in order to have a wealth management needs of customers in the scientific and reasonable manner under the premise of risk control to achieve the maximum customer benefit, in order to stabilize and improve the domestic commercial Bank's competitiveness and profitability to lay a more solid foundation. Therefore, this paper wealth management is not in the traditional sense of the accounting aspects of asset-liability management,But the domestic commercial banks in the post-crisis era in the layout of an integrated approach to business strategy, customer-owned assets and liabilities as if the wealth management business innovation is the promotion of domestic commercial banks to move toward universal banking is an important measure.In this paper, the concept of wealth management, development process and the significance of commercial banks to start by analyzing the foreign financial institutions in order to carry out the wealth management business experience, more domestic commercial banks and other financial institutions in carrying out the pros and cons wealth management business momentum, combined with domestic commercial banks to develop an analysis of the status quo wealth management business, indicating the development of wealth management business is the domestic commercial banks an inevitable trend toward universal banking. At the same time, analysis of domestic commercial banks in developing wealth management business opportunities and challenges facing, summed up the domestic commercial banks, wealth management experience is worth learning lessons,Through commercial banks "3 analysis", that is profitability, liquidity and safety analysis of form, to tidy up-with-the process of refining the study of China's commercial banks to explore and develop the wealth management business to carry out a meaningful proposal.