The Research On The Development Strategy Of Personal Bank Business Of Bank Of Communications Huainan Branch

In recent years, as development of the market economic system of our country being complete, social economy realizes the pluralism progressively , individual economy , private economy , shareholding system economy can all be developed comparatively fast, thus promoted the whole social economic demand , has expanded development space of personal banking. Meanwhile, the personal banking of the commercial bank of our country begins to develop to some extent too, but the paces does not yet unhappy, the overall level is not high. At this time, the personal banking that our country will be open to foreign capitals bank in an all-round way, the Chinese and foreign money bank was fiercer in contention of the personal banking. So, the development of the deep personal banking of research, has already had comparatively realistic directive significance to the banks studied, have reference function to the other commercial banks of our country.Literary grace this with research approach that theory combine case with , study Bank Of Communication Huainan branch personal development tactics of banking. Thesis subject proceeds with concept of the personal bank at first, has introduced the intension of the personal banking, and domestic development, and develop relevant theories with a bank of people after explaining the personal banking is abroad, have analyzed that develops certainty and necessity of the personal banking; Then has analyzed macroscopical environment and micro environment that Bank Of Communication Huainan branch faces, point out its chance and challenge faced; Then analyse in depth the state of the personal banking of Bank Of Communication Huainan branch again, find out its advantage that has and inferior position; Can work out the conclusion according to the above-mentioned analysis finally, i.e. Bank Of Communication Huainan branch should fully utilize one's own advantage , catch the external environment condition chance, maximize favourable factors and minimize unfavourable ones , develop the personal banking in a more cost-effective manner, the concrete development tactics include: First , change the idea , establish development status , the goal and competitive strategy of the personal banking; Second , strengthen the products of personal bank , technological innovation , establish the personal banking brand; Third , strengthen the marketing of the personal banking , open the market channel fast; Fourth , strengthen the personal construction of money-managing centre , develop business of management of personal money in a more cost-effective manner; Fifth, the business of stressing the key points , drive the development in an all-round way of a silver business. Through the implementation of this line of strategies , make Bank Of Communication Huainan branch try to form the competition advantage in personal banking.