Core Viewpoint - The article focuses on the development status of wealth management for small and micro enterprises, analyzing their characteristics and the challenges faced in the current business development process, while proposing targeted strategic recommendations [1][2]. Group 1: Current Status and Characteristics - Wealth management for small and micro enterprises involves professional management of various forms of wealth, providing a comprehensive solution for asset allocation centered around client needs [1]. - Jiangsu region has rich market resources and abundant funds, with a high demand for asset preservation and appreciation among clients [1]. - The Bank of Construction has made significant breakthroughs in the number of clients and business scale in wealth management for small and micro enterprises over the past three years [1]. - The majority of small and micro enterprise clients in wealth management are corporate clients and individual businesses, with private enterprises being the core force [1]. - The top five industries among small and micro enterprise clients in wealth management are retail, wholesale, business services, construction and decoration, and software and information technology services [1]. - Overall, small and micro clients prefer low-risk and medium-low risk investment products, exhibiting a conservative investment style [1]. Group 2: Challenges in Wealth Management - Current challenges in advancing wealth management for small and micro enterprises include slow response to wealth allocation needs, low efficiency in customer acquisition through digital platforms, lack of comprehensive and personalized product configuration, and the need for improved professional capabilities among wealth management personnel [2]. Group 3: Strategic Recommendations - It is recommended to align with national strategies and deepen the inclusive financial service concept in wealth management for small and micro enterprises, enhancing customer financial service experiences [3]. - Product strategies should be refined to utilize a full range of wealth management products, focusing on low volatility, low-risk, and stable return products, with regular updates to product offerings based on performance indicators [3]. - Marketing collaboration and a precise customer service system should be established, providing personalized product configurations and enhancing customer trust through effective asset allocation services [4]. - Strengthening team capabilities at all levels is essential, focusing on product configuration skills and complex product sales, while fostering collaboration between different departments to create a comprehensive financial service mechanism [4].
建行江苏省分行：小微企业财富管理策略研究