Research On The Optimization Of PD Bank Wealth Management Business Development Strategy Under The Background Of "new Regulatory Regulations"

Since July 2004,the first financial product for individual customers was issued by the large banks,and the purchase of bank financial products has gradually become the mainstream bank financial management method of the common people.It plays an increasingly important role in the social and economic investment and financing activities.The product categories have also expanded from single fixed income to net value,non-standard investment,equity and other commodities.However,different from the same risk products such as bank savings,the risks of different types of bank financial products are very different,and high expected return means high risk.Therefore,risk classification and customer suitability management are particularly important.In view of this,regulators have issued a series of regulatory documents since 2005 to strengthen the supervision and management of financial services of commercial banks.However,this series of documents not only bring great challenges to the macro impact of bank financial services,but also to the specific requirements of financial products,business models,risk management and financial personnel.In this regard,how should banks effectively implement policy supervision and mitigate the impact of the new regulation? How to realize investors' rational understanding of financial products,overcome product homogeneity and improve the quality of financial personnel? How to realize the unification of sound development of financial management business and steady growth of bank's own income? This series of research around the "optimization of bank financial management business development strategy" also started.This paper focuses on the core of "optimization of the development strategy of bank financial management business",starting from the adaptability of bank financial management business and the new regulatory rules,taking PD bank as an example,analyzes the advantages,disadvantages,opportunities and challenges of the new regulatory rules on the development of bank financial management business,and uses the business level strategic method to promote the development of bank financial management business in line with the requirements of the new regulation This paper explores the development strategy of PD bank financing business optimization.Based on the main line of "background elaboration-raising problems-analyzing problems-solving problems",this paper makes corresponding discussions from the following aspects: firstly,it explains the background of the topic selection,and combs the research results and frontier viewpoints related to the topic selection.On the one hand,it clarifies the source of investment operation risks exposed behind the rapid development of bank financial management business,and deduces the necessity and pertinence of "new regulatory regulations" for the healthy development of financial management business of commercial banks,as well as the impact on the development of bank financial management business;on the other hand,it summarizes the research results at home and abroad,analyzes and draws lessons from the mature experience of overseas banks In accordance with the valuable opinions put forward by academic circles on the reform and innovation of financial management business of commercial banks,standardize and summarize the way out for the optimization,reform and development of financial management business of commercial banks under the new regulatory regulations.Secondly,this paper analyzes the problems of multi-layer nesting,fund pool operation,investment scope,rigid cashing and other aspects of PD bank's financial management business,and analyzes the challenges PD bank faces in the aspects of net value of financial products,externalization of financial management business and specialization of investment business.Thirdly,through the analysis of the internal and external environment of PD bank's financing business,the advantages of PD bank in the industry performance ranking,credit rating,global business,electronic channel,etc.,as well as the short board of product homogeneity,innovation ability and competitiveness,as well as the grasp of opportunity and threat elements,based on SWOT matrix analysis,the development direction and measures of PD bank's financial management business are proposed Upgrade the road.Finally,the paper makes an optimized design for the development strategy of PD bank's financing business.Based on the actual development of PD bank's financing business,from the aspects of product risk prevention,financial personnel's professional ability improvement,investor concept training,etc.,a "risk return" model matching with different investment experience customer groups is made by using business layer strategy,so as to strengthen the investor suitability management at the capital end and improve the asset allocation ability of financial personnel.At the same time,the strategy of financial management business optimization is made in terms of risk prevention of financial products,improvement of investment and research ability,establishment of financial management subsidiary,professional ability training of financial personnel,optimization of assessment system and strengthening of investor education,so as to achieve the development goals of product standardization,personnel specialization and investor rationalization,so as to adapt to the "new regulatory regulations".