Research On Financial Planning Development Strategy Of China Constructinon Bank Heilongjiang Branch

As the development of the conventional business of banks, financial planning is an extremely comprehensive financial service to help clients keep value of property or get rise in value of property. Though financial planning appears as a new business in China, with the constant development of the economic environment and the stronger reform of banks, it will draw attention of all trades and professions. It must be very proficient in future, so all banks have put attention to the research and the management of this business.The financial planning business of the Heilongjiang provincial branch of China Construction Bank is very competitive, because another three state-owned commercial banks, some limited-liability banks that have branches in Heilongjiang province and some other financial institutions have put great attention to financial planning business. At the crucial moment of the development of the financial planning, the Heilongjiang provincial bank has the dominant position and inferior position of a large state-owned limited-liability bank. In order to catch the opportunities and turn threats into safety, the Heilongjiang provincial branch of China Construction Bank should realize and correct its mistakes to figure out the effective strategy of business. The main problems of the financial planning business of the Heilongjiang provincial bank of China Construction Bank appear in the following 5 aspects: 1.Comparing with other banks, the financial planning products are very similar in quality with that of others.2.The planning and services are simplistic. 3. The development of the technology does not correspond with that of the business. 4. The shortage of outstanding staff is serious. 5. The market-sale links are weak. This article has found out the reasons of these problems and figured out the strategy to conquer them. The main idea of this article is using more varieties of financial planning instruments, improving the details of the service, making the technology practical, choosing and doing training for client-managers of the financial planning and strengthening the links of the market sale.