Commercial Bank Wealth Management Business Investigation Report In Handan

With the development of social economy, financial innovation has become the focus of commercial Banks all over the world, and the commercial bank financial products has become the new lover of the innovation wave. Because of the advantages of income stability, low threshold, low risk in the commercial bank financial, the financial markets become one of the best financing business in the market quickly. Abroad, commercial bank financing business already became the important part of commercial bank business. However, China starts much later than the other countries. The real beginning of our country commercial bank financial management is from September of 2004, when China Everbright Bank launched a RMB financial product first sunshine plan, and since then commercial bank financial product distribution of the Chinese mainland began.From nothing, scarcity, to more, from the single variety to varieties and to complete, Wealth management products of commercial Banks in China which has experienced more than 10 years. In the process of more than ten years, the financial product are changing so much in scale, variety or participants, even can be said to be a big progress. Among them, the commercial bank plays an irreplaceable role.Although, in recent years the research literature on commercial bank financial products are numerous, but the study of Handan city is rare, this paper mainly focus on the current situation of commercial bank financing business development in Handan city, with the methods of Questionnaire and case analysis combing with the current domestic financial policies and economic development situation and the characteristics of Handan city economic development closely, analyzing of Handan city commercial bank financing business development present situation and the problems arising from the development process, and according to the problems puts forward reasonable suggestions and opinion. I hope to draw the general conclusions to small and medium-sized cities, which can set the sample in the future.The first chapter of the paper is mainly about the related literature and some enlightenments of the current commercial bank financing business and domestic and abroad. The paper analyzes the present domestic economy, policy and the economic development of Handan city, and background of the financing business development, etc. In the second chapter, using the questionnaire to investigate and analyze commercial bank financing business development situation of Handan city, and deeply analyze the data of the survey. In the third chapter using case study to detail analyze the specific problems in people’s finance and to summarize the main problems in the process of commercial bank financing business. The fourth chapter is mainly based on the above the problems, putting forward the corresponding solutions. At the end of the paper, according to the commercial bank management, customer financial knowledge and related regulatory system, I give the suggestions to be better.