| In December11,2006, China’s accession to the WTO organization in five years,China’s banking industry has undergone four major state-owned banks assetsreorganization, experienced local bank mergers and acquisitions, experiencedhigh-quality banks or for mainland and overseas or simultaneous listing. Along withthe bad assets of elimination of new faces, reorientation of banks and businesstransformation come in a throng, especially with the end of the entry of foreignbanks," two eight law" win support among the people, a lot of domestic banksrealized to spread as the traditional business model has been a challenge, to the rapidgrowth of competitive financial enterprises, must enlarge to the increasingly affluentindividual customer marketing, in line with the development of high-end customerswant products and services, high-end individual customers will become the focus ofcompetition in foreign commercial banks.The bank accounts for high-end customers, refers to the bank customer number20%, for the bank to create the80%profit customers. Most of these people belong toall walks of life to people of high income, but this part of the crowd numbers aregradually increasing. To the end of2011, Chinese people have investable assetstotaled62trillion yuan, amount to1210000of high net worth families. To the end of2011, high net worth families (refer to the investment assets of more than6000000yuan family) has a total investable assets scale is expected to reach27trillion yuan,accounting for the person to have44%of the total assets of the investment. From2008to20103years, Chinese personal investment total assets and total number of high net worth families were maintained for32%and42%compound annual growthrate. Wealthy people to substantially increase the reason, is the first Chinese GDPgrowth is very high, up to9.1%yuan; secondly, a fixed exchange rate against thedollar to let the yuan in the United States export markets remain highly competitive,but also drive the export trade; again is China continued to attract foreign directinvestment, stimulating the business and economic growth.Bank customers watch the emphasis changed, also means that the private clientdevelopment opportunity comes. But how to carry out the bank private client business?How to high-end individual customers management? In real work or blank. Thisarticle through the project management knowledge and theories and methods of thestudy on the asset allocation, process optimization, and applying the method ofproject management to strengthen the project operation and risk prevention. As theresearch subject, the main use of project management methods: such as the use ofearned value analysis technology on product configuration to risk margin, product toprevent sudden termination of hedging and risk; using the network programevaluation and review technique in the Gantt chart method for individuals in the assetallocation of the work of more reflect the timeliness, speed up the overall speed; usework breakdown structure on asset allocation analysis in the process ofdecomposition, improve the overall configuration of process efficiency, effectivelysolves the problem of quality supervision work; use SWOT analysis technology ofthe overall configuration process for the analysis of the advantages and disadvantagesof asset allocation, the approval process was optimized and improved, speed up clientconfiguration approval efficiency. Work breakdown structure on configurationproblems for effective control, and more effective control of the configuration processand reduce overall personal asset allocation of risk.In the personal assets of the overall configuration process, although the use of aproject management approach to process improvement, and optimizing the configuration process. But for the allocation of assets in the special conditions of therisk of loss to forecast. Because of the special nature of the banking industry, in orderto project safe operation. Put forward the personal assets of a number of risks, and theproject risks do the emergency plan, undertook brief control.At the end of this paper, the application of practical work in the data. The use of alist of lists using the project management method to improve asset allocation,intermediate business, customer satisfaction index, profit index to vote change,highlight the project management in bank asset allocation effectiveness.In real life, personal assets contain a very wide range of. The main bank deposits,bank financial products, bond, stock, stock, insurance, real estate, to inherit propertyand reasonable avoid duty. In the international banking industry is mixedmanagement, asset allocation is more comprehensive and scientific. In this paper, asthe bank project research, only to the bank can be related to the operation of assetallocation problem, consider some limitations. But the use of the method in practicalwork is very effective. |
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