1. It is imperative for commercial banks and fund companies to establish strategic alliances and rely on business relationships. Commercial banks and fund companies establish strategic alliances. For commercial banks, they can achieve multiple purposes such as maximum sharing of customer resources, financial product innovation (innovation papers), and improvement of customer service levels. 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 services for high-end customer groups, and have relatively rich high-value customer resources. Commercial banks have established alliances and cooperative relationships with fund companies to make full use of each other's customer resources. , allowing customers of fund companies to experience mature financial (financial papers) products and value-added services of commercial banks, attracting and retaining such customer groups, and broadening customer resource channels of commercial banks.

Second, it is an important way for banks to achieve financial product innovation. In today's world of homogeneous products and few 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 and rich practical investment experience, and are highly sensitive to the market. By establishing a cooperative relationship with commercial banks, both parties can jointly explore effective ways to innovate financial products, continuously optimize the product structure, and tailor various structured products, fixed income products and special account wealth management products for mid-to-high-end customers. Better meet the new needs of mid-to-high-end customers for financial products and services. Furthermore, there is an urgent need for banks to improve customer service. Commercial banks strengthen cooperation with fund companies and strive for the support of partners, which can improve the professionalism and pertinence of service levels and enable customers to truly accept bank products and services, thus forming an inseparable relationship between banks, fund companies and service objects. Segmented and solid

3. The model of establishing strategic alliance between commercial banks and fund companies is based on the principle of win-win cooperation, through both parties in terms of product innovation, customer service, channel expansion, brand alliance, etc. Business docking, establish a cooperation model of "equal status, consistent goals, and win-win results", make overall planning, step by step, and gradually deepen, and continuously increase product market share and customer penetration rate of cooperative units. A product alliance model. The aim is to achieve exchange of product information, industry information, peer product information and macroeconomic analysis between the two parties through product development cooperation, and to design high-quality products for customers that can adapt to market changes and have relatively controllable risks.