卞 青
（中国邮政集团有限公司江苏省分公司 江苏南京 210000）
摘 要：财富管理是银行经营管理的重要内容，科学构建财富管理体系，细化财务管理内容要点控制，能在帮助客户实现财富保值增值的同时，有效增强银行的盈利能力和抗风险能力，推动银行金融创新和持续发展。本文在阐述银行财富管理内涵特征及发展现状的基础上，分析当前银行财富管理的问题和对策，提出银行需要构建“全市场+全品类”的产品供给体系，打造“专业投顾+智能投顾”双轮驱动模式，同时要实施客户精准画像与分层经营策略，建设智能化财富管理平台，并建立全面风险管理与合规体系。本文旨在进一步提升财富管理效率和质量，提升银行竞争能力，推动银行的持续、稳步发展。
关键词：财富管理；银行；体系建设
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