摘要近年来，随着我国国民经济的快速发展以及国民生产总值的稳步提升，居民对于存款产品的多样化需求也在增加，各大银行纷纷推出各类理财产品，以满足居民的个性化需求。在国内银行理财业务发展前景较为光明的背景下，我国出台了关于理财产品的资管新规，资管新规的发布，旨在改善国内金融业资产管理现状，降低金融产品风险，让金融行业能更健康、有序的发展。但是随着新规的发布，之前的理财产品由于不符合规定需要重新设计和管理，理财产品不再承诺保本，理财收益率不再稳定，同时，创新型理财产品不足以涵盖理财客户的需求，导致商业银行的理财业务发展受到一定影响，在此背景下，本文主要选取了平安银行包头分行，对其理财业务的现状进行调查了解，发现其中存在的问题，并针对问题提出具体建议。本篇文章主要选取了平安银行包头分行的个人理财产品进行了研究。首先对理财产品的基本理论以及国内外关于理财产品的相关文献进行了阐述和梳理，在此理论基础上，采用数据分析和现场访谈的方式对平安银行包头分行个人理财业务现状进行了研究，发现平安银行包头分行的理财产品在产品方面、创新方面、服务方面、风险管理方面存在一定的问题，针对发现的问题，提出了优化建议，具体包括创新性理财产品，提升专业理财人员素质和能力，加强风险管理等，为平安银行理财产品未来发展提供了更多渠道，从而为我国商业银行理财业务的发展提供一定的借鉴。关键词：资管新规；发展策略；个人理财AbstractInrecentyears,withtherapiddevelopmentofChina'snationaleconomyandthesteadyriseofthegrossnationalproduct,thedemandofresidentsforfinancialmanagementisalsoincreasing.However,sincethereleaseofthenewrules,aimedatimprovingthestatusofdomesticassetmanagementindustry,assetmanagementindustrycanbemorehealthyandorderlydevelopment.Sothattheoriginalcapital-preservingfinancialproductsarenolongerguaranteed,nolongerrigidlycashed,andthefinancialyieldisnolongerstable.Inaddition,innovativefinancialproductsarenotfollowedup,sothatthefinancialmanagementbusinessofcommercialbanksdidnotshowacontinuousupwardtrend.ThispaperanalyzesthewealthmanagementbusinessofPingAnBankinBaotouunderthebackgroundofthenewcapitalmanagementrules,andputsforwardtheconcretedevelopmentstrategy.TheresearchobjectofthisarticleisthewealthmanagementbusinessofPingAnBankinBaotoubranch.First,therelevantliteratureathomeandabroadisstudied,andthen,onthebasisofanalyzingthecurrentsituationofpersonalwealthmanagementbusinessofPingAnBankinBaotoubranch,usingthemethodofdatasurvey,thispaperanalyzesthepersonalwealthmanagementbusinessdataofPingAnBankinBaotoubranchoverthepastthreeyears.PointingouttheexistingproblemsofPinganbankBaotoubranchinproductfactors,innovationfactors,servicefactors,riskmanagementfactors,etc.,onthebasisoftheanalysis,thispaperputsforwardcorrespondingoptimizationstrategies,whichincludebuildingnewcrowndisease-specificfinancialproducts,providingexpectedbenefitstocustomers,andtrainingseniorservicepersonnelofbanks,strengtheningtheR&Dcapabilityofwealthmanagementproducts,andbuildingtheorganizationalframeworkofriskmanagement,combinedwiththeactualsituationofChina'scommercialbankwealthmanagementbusiness,thispaperprovidessomesuggestionsforthefurtherdevelopmentofPingAnBankBaotouBankinChina.Keywords:NewRegulationsonAssetManagement;BankFinancialManagement;PersonalFinancialManagement目录摘要............................................................................................................................................IAbstract....................................................................................................................................
