Bo Qing
(China Postal Savings Bank Co., Ltd. Jiangsu Branch, Nanjing, Jiangsu 210000)
Abstract: Wealth management is a crucial aspect of bank operations. Scientifically constructing a wealth management system and refining financial management controls can help clients preserve and grow their wealth while enhancing the bank's profitability and risk resilience, driving financial innovation and sustainable development. This paper examines the characteristics and current state of bank wealth management, analyzes existing challenges and solutions, and proposes that banks need to establish a "full-market, full-category" product supply system, adopt a "professional investment + smart investment" dual-driven model, implement precise client profiling and tiered management strategies, build intelligent wealth management platforms, and establish comprehensive risk management and compliance frameworks. The aim is to further improve the efficiency and quality of wealth management, boost banks' competitiveness, and promote their sustainable and stable growth.
Keywords: wealth management; banking; system construction
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