The Quality Improvement Research On Retail Wealth Business Of ZS Bank

Under the impact of the rapid development of Internet finance,China’s traditional commercial banking business has suffered a heavy setback.The traditional single business model of commercial banks can no longer meet the comprehensive financial needs of customers after upgrading in the current complex environment.With the advancement of internationalization and the development of China’s social economy,the accumulation of personal wealth is also showing explosive growth.With the popularization of financial knowledge,people’s demand for wealth management has become increasingly prominent.Commercial banks have also realized this potential market opportunity,and began to carry out stock restructuring in 2008,and their business focus has also begun to transform from corporate business to retail business.ZS Bank was the first to recognize the potential of the retail market and accurately target retail customers.In 2018,IT first proposed the asset-light development and transformation strategy.ZS Bank uses technology to enable it to accurately position customers through big data,and applies digital scenarios to the two apps.With the concept of major asset allocation,ZS Bank quickly won the position of the king of domestic retail banks.According to the different needs of customers,ZS Bank can provide different customized wealth planning systems for customers,which also makes THE brand of ZS Bank produce brand effect.With the emergence of various financial platforms,the retail business of China’s commercial banks still has an impact that cannot be underestimated,and the challenges facing the banking industry are gradually increasing.Therefore,it is necessary to continuously optimize the organizational structure,upgrade products,upgrade services and other contents to strengthen the commercial competitiveness of banks.In this paper,based on the research of the domestic and foreign literature analysis,and combining the development situation of ZS bank retail wealth business summary description,analysis of the current ZS bank retail business in the present problems existing in the management of wealth,combined with the status quo at the same time puts forward the safeguard measures of the quality solutions and implement,the ending of the future development to give a summary and outlook.