Judging from the current trend, the direction of financial management business transformation of commercial banks includes ().

Judging from the current trend, the transformation direction of commercial banks' wealth management business embodies the following eight characteristics: ① the return from deposit-based wealth management to real valet wealth management; ② The scope of financial services has changed from single financial services to comprehensive wealth management; ③ The form of wealth management products has changed from expected income type to net income type; ④ The type of financial investment has changed from creditor's rights to equity; ⑤ The scope of financial investment has changed from onshore to offshore and onshore; ⑥ Financial investment strategy changes from passive portfolio to active portfolio, and from holding assets to trading assets; ⑦ Change from static liquidity management to dynamic liquidity management; ⑧ The risk control of wealth management business has changed from credit mode to comprehensive mode.