农村金融财富管理策略探讨——基于农村商业银行发展视角

The Investigation of Rural Financial Wealth Management Strategy——Based On the Rural Commercial Bank Development Perspective

近十年来,伴随中国经济的高速发展、城镇化进程的旧城改造和沿城拆迁补偿,农村居民的家庭财富得以快速积累,财富管理需求日渐旺盛。本文从农村商业银行开展财富管理业务的必要性出发,剖析了现有农村商业银行开展财富管理业务的现状,并结合农村商业银行的业务实际,提出农村商业银行应从转变经营思路、细分客群、拓展产品体系、建设专业队伍等方面实现财富管理业务的破局。

In the past decade,with the rapid development of China’s economy,the transformation of old cities and the compensation for demolition along the city,rural residents’family wealth has been rapidly accumulated,and the demand for wealth management has become increasingly strong.Starting from the necessity of rural commercial banks to carry out wealth management business,this paper analyzes the current situation of rural commercial banks to carry out wealth management business,and combined with the actual business of rural commercial banks,puts forward that rural commercial banks should change business ideas,subdivide customer groups,expand product system,build professional team and other aspects to improve the wealth management business.