Research On The Wealth Management By Leshan Branch Of Agricultural Bank Of China

Starting in 1979,formally started the implementation of China's reform and opening up to now there are 38 years,during this period,great changes have taken place in China's economy,the sustained and rapid growth of economy has brought the national wealth accumulation and rapidly growing,with more to also many monetary assets,people on how to manage their idle funds with immediate financial needs,for financial institutions,it naturally became the historical opportunity of developing wealth management.In 2016,China merchants bank and Bain jointly issued the 2015 China's private wealth report,the data show that in 2014,the number of individuals to invest in China more than 10 million more than 1 million people,more than 2 million,and 2015 by 2020,that figure will with annual growth of 13.4%to increase the level of 3.88 million,at that time,high net worth population total investable assets will reach 200 trillion.With the rapid rise of the Internet financial,the traditional development model and profit model of commercial Banks in China have launched a challenge,change the value creation and realization way of commercial Banks to speed up the financial disintermediation,bank spreads continued to narrow,the development environment of commercial Banks has undergone great changes,then how to develop the wealth management business is becoming a strategic issue when relates to whether Chinese commercial banks will transform successfully or not.Using the related theory,combined with own working practice experience,respectively for ABC leshan branch wealth management present situation and problems on the current situation,customer analysis,through to the domestic industry leader China merchants bank wealth management experience and practice for reference,put forward to countermeasures and Suggestions on the development of ABC in leshan branch wealth management,do bigger and stronger for its wealth management provides a new train of thought.Through the research on ABC in leshan branch wealth management have certain universality,the conclusion of the domestic commercial Banks in developing wealth management at present stage has a certain reference value.