Research On Business Model Of The Third-party Financial Planning With Private Wealth Management At The Core

With the development of Reform and Opening-up which has been more than 30 years,there have been a large number of social wealth accumulations and people's income is continuous increasing.There are traditional financial services institutions like banks,funds,insurance,trust company and emerging internet financial enterpris-es like P2 P etc.These institutions provides many options for personal finance plan-ning and wealth managementThe third-party financial institution appeared in recent years,it doesn't have fi-nancial product for customers,and it doesn't represent the benefit of bank,trust,in-surance,fund companies.Therefore,it will stand in the neutral position and be cus-tomer-oriented.With professional knowledge and scientific method to judge and screening suitable investment tools,the third-party financial institution would provide customers a comprehensive asset allocation and financial planning services which is based on the customer's financial needs and actual financial situation.This thesis researched how the Third-party Financial Institutions play the role in Private Wealth Management.Firstly,the paper introduced the profile of private wealth management,and a series of theory like: monetary time value theory,asset allocation theory,and family life cycle theory;Secondly,the paper had a focused research on the third-party financial institution characteristics,status,the differences from other fi-nancial institutions,its business development mode,and the analysis of existing prob-lems.Thirdly,combined with the development experience and enlightenment of sev-eral well-known third party financial companies,this paper analyzed the opportunity,threat,strength and weakness,of third party financial as private wealth management mode by the SWOT model.Finally,this paper proposed that with private wealth management at the core,there should be reasonable localization of the operation and service mode for the third-party financial institution,as well as,increasing product innovation,the cultivation of high-quality talents,establishing comprehensive risk control system and brand reputation building.Furthermore,this paper discussed that what government can do so as to promote the external market environment for the development of the third-party financial industry.