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本篇paper代写- Joint-stock bank讨论了股份制银行。近年来，许多互联网金融出现，因为很多银行和外资机构在华金融迅猛发展，特别是股份制银行的巨大发展。但股份制银行财富管理市场还处于起步阶段，因此要控制银行的风险。对股份制银行协调处理机制，资源共享。资产管理质量，给财富管理业务打下坚实的基础。本篇paper代写由51due代写平台整理，供大家参考阅读。

In recent years, many Internet finance has emerged because of the rapid development of many Chinese Banks and foreign institutions in China, especially the development of joint-stock Banks. The deposit rate of state-owned Banks is no longer a favorable environment for survival and development in the competition. There is only one answer to the question of how share-holding Banks can compete in financial markets.

Current interest rate controls have been liberalised, limits on lending rates and the ceiling on deposit rates. Not only does it mean that joint-stock Banks face adverse selection, but prices are falling again, making savings bonds face many challenges. Because of the trend of interest rate, many Banks and enterprises can provide a platform of fair competition, which leads to fierce competition in financial markets.

Financial disintermediation increasingly rapid development of China's capital market and bank loans high thresholds, a large number of enterprises in the capital market to issue bonds, stocks or monetary capital supply and demand, avoid reduce joint-stock bank deposit and lending, Banks play a role of financial intermediary.

Strengthen capital constraint, according to the "commercial bank capital management method", starting in January 2013, commissioning, strengthen the capital constraint, break through the commercial bank credit bank market share, forcing the financial service concept and business model innovation, but this is also one of the joint-stock Banks vulnerability.

In 1994, the functions, loans and policies of Banks were transformed between national development and Banks in accordance with the reform and construction of the state investment system. While China construction bank has become a modern commercial Banks of the state-owned holding company, but to maintain financial market stability, also need through the national institutions, as well as conservative values, developing wealth management is a lack of understanding, the slow pace of reform, which limits the development of wealth management business. Independent management and regulation limits China's financial development. Regulatory policy means that Banks only have customers in the relevant financial services, which reduces the amount of financial products generally purchased. They also have the need to cover insurance, securities and trusts. There's a big constraint on line y.

According to the needs of customers, different services are provided, and wealth management is essentially satisfying the needs of customers, so that the customers' financial planning and wealth management can be properly handled. Therefore, a clear positioning is needed to find customers, understand the needs of customers and conduct market segmentation of various services.

Product innovation is the premise of understanding the customer's financial goals, in accordance with the requirements of the customers targeted for the development of financial products, especially for the development of the relevance and the comprehensive service ability, high value-added financial advisers and agent products, improve product innovation ability not only to develop a variety of financial products, but also focus on the financial and other product research and development, improve the financial management of the joint-stock Banks and financial transactions of a range of services, financial management of the joint-stock Banks different from competitors, and make the joint-stock Banks in the competition.

China is a vast country, affected by different fields, such as history, politics, economy, customs and so on. It has a great demand for it. For wealth management Banks to manage a large number of houses, a wide range of different area of the area of the client, the wealth management needs of customers have different difference, so according to this advantage. Therefore, the bank can give full play to its advantages, integrate the wealth of commercial resources, and ensure the safety of the management business.

Due to dissatisfaction with the service quality of the bank, the service fee will be lost to the customers. These services include: financial investment experience in the customization of financial products, pension and pension insurance, fund insurance, property inheritance law, taxation, etc. At present, the financial products and financial services in the market are relatively unitary, lacking personalized modeling and color, which can not meet the requirements of diversification and personalization of high net worth clients. Therefore, the construction bank needs a huge customer database to identify and analyze the needs of customers, improve personal financial products for high net worth customers, and meet the differences in financial services. Wealth management business is a high-tech knowledge-intensive service industry, which requires extensive knowledge, experience, technology, ability and social responsibility. So, the construction bank should training staff, training in wealth management business financial professional knowledge, improve their professional skills, marketing skills training, professional team in customer loyalty.

First, give full play to the advantages of capital and expand the scope of business. For good commercial Banks, we can actively carry out new business of Internet finance, and gradually accelerate business penetration into e-commerce, mobile payment, Internet finance and other fields. The second is to improve the database, make full use of big data to strengthen the management of credit and risk information, and introduce the data control model to effectively screen customers, measure risks and guide product pricing. Third, innovative service mode, providing a multi-channel, one-stop service. In the big data applications, cloud computing, mobile payment, social media and other innovative technology, will make the traditional bank branch bank "wisdom" and realize the basic financial products and effective docking, the Internet provide multi-channel sales, personalized service, customer experience as the norm, reasonable launch innovative financial products and services, improve service efficiency and customer satisfaction.

The joint-stock bank wealth management market is still in its infancy, so it is necessary to control the risk of the bank. The joint - stock bank coordination mechanism, resources sharing. Asset management asset management quality, to wealth management business lay a solid foundation.

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