How can commercial banks better cooperate with fund companies to win?

First of all, it is imperative for commercial banks to establish strategic alliances with fund companies. The establishment of strategic alliance between commercial banks and fund companies can achieve various purposes such as sharing customer resources, innovating financial products (innovative papers) and improving customer service level. The first is the inevitable requirement for banks to obtain high-value customer resources. In the current fierce market competition environment, the problem of customer resources has become one of the important bottlenecks restricting the sustainable development of commercial banks. In recent years, fund companies have developed one-to-one, one-to-many and other special account businesses for high-end customer groups, and have rich high-value customer resources. Commercial banks and fund companies can establish alliance and cooperation, make full use of each other's customer resources, let the customers of fund companies experience the mature financial products and value-added services of commercial banks, attract and retain such customer groups, and broaden the channels of customer resources of commercial banks.

The second is an important way for banks to realize financial product innovation. Today, with the homogenization of products and the reduction of functional differences, how to develop products that are difficult for competitors to imitate and copy is an important means for commercial banks to enhance their competitiveness. Fund companies have profound professional knowledge, rich investment experience and are sensitive to the market. By establishing cooperative relations with commercial banks, the two sides can explore effective ways of financial product innovation, continuously optimize product structure, tailor-made various structured products, fixed income products and special wealth management products for middle and high-end customers, and better meet the new needs of middle and high-end customers for financial products and services. Another reason is that banks urgently need to improve customer service. Strengthening the cooperation between commercial banks and fund companies and winning the support of partners can improve the professionalism and pertinence of service level, make customers truly accept the products and services of banks, and thus form an inseparable and solid relationship between banks, fund companies and service targets.

Thirdly, the mode of establishing strategic alliance between commercial banks and fund companies is based on the principle of win-win cooperation. In product innovation, customer service, channel expansion, brand alliance and so on. Through the business docking between the two parties, we will establish a cooperation model of "equal status, consistent goals and win-win", make overall planning, step by step and deepen step by step, and continuously improve the product market share and customer penetration rate of the cooperative units. Product alliance mode. The purpose is to realize the exchange of product information, industry information, peer product information and macroeconomic analysis through product development cooperation, and to design high-quality products that can adapt to market changes and have relatively controllable risks for customers.