The Branch Office Personal Bank Business Development Strategy Research Of International Bank Shanghai, Xiamen

In recent years, along with the development of the our country market economy system perfect, the society is economic to carry out the diversification, individual economy gradually, the run by private capital is economic, the share system economy can compare and quickly have to develop, thus pushing the whole social economic need, extending personal bank business the development has time. At the same time, personal bank business of our country commercial bank also starts have the development, but the step is still not quick, the total level is not high. Our country join the WTO formally at the end of in 2001, according to the agreement, the our country would open the foreign capital bank completely in 2006 to the our country the residents' RMB business, that time, our country will overall open personal bank business to the foreign capital bank, the foreign capital bank fights to personal bank business and will be vigorous.This literary grace uses the theories and a research method for combine together of cases, studying the branch office of international bank Shanghai, Xiamen development strategy of personal bank business. The First thesis corpus the commences from the personal concept the of bank, the system the introduced personal the content of the bank business, the elaborating personal the bank business the abroad and the local development, the and develop the related the theories with the personal bank, the analyze to the set out the personal bank the business of the exhibition inevitability the and necessity; the Analyzed the macroscopic environment and tiny view environments that the branch office of international bank Shanghai, Xiamen face immediately after, point out the opportunity and the challenge that it face; Went deep in to analyze personal condition of bank business of the branch office of international bank Shanghai, Xiamen again subsequently, find out the advantage and the bad situation that it have; Get a conclusion according to the above analytical research finally, since the branch office of international bank Shanghai, Xiamen wants to make use of the oneself advantage well, holding tight the exterior environment opportunity, the grows to avoid short, develop personal bank business strongly, the concrete development strategy include: While change the idea, establish personal development position, target of bank business and compete the strategy; Two is to strengthen personal bank product, the technique innovation, set up personal bank business brand; Three to strengthen personal marketing of bank business, open the market outlet quickly; Four is to strengthen personal finance managing center construction, develop personal finance managing business strongly; Five promote" the customer relation management" strategy actively; Six is to strengthen to throw in to produce the analysis, build up science on the trail of to check the system; Seven is to build up the sound risk control system. Pass the implement of above strategy, fight for in personal bank business aspect formation competitive advantage. Knot the tail part in the thesis, to our country government the support developed personal bank business to put forward the kit suggestion that speed personal reputation system's construction. Do the elucidation towards needing the problem of further research at the same time.