The Personal Financial Services Development Strategy Of BDJ Branch, ICBC

With the beginning of this year-round opening to the world of China's banking sector, foreign banks have begun to conduct RMB business. Personal Financial Services, with its resources, broad, low-risk, easy to operate, earnings stability will be the focus of all commercial banks to expand business in recent years, it has become a personal financial services business development inter-bank competition in point. The Personal Financial Services in China as an emerging financial services, but also the formation of these years of vigorous development momentum, banks battle for market, expand customer resources, have created their own brand of financial management, from product design, marketing and after-sales service form a complete system。This paper describes the basic concepts of personal financial services, described in detail the theoretical basis of personal financial services, and from both theoretical and practical depth BDJ ICBC branch in the Personal Financial Services, the realities faced by the development process and challenges of this stage, personal financial business development affecting a variety of factors, using a scientific approach to the branch of ICBC BDJ existing internal and external environment analysis, analysis of the main advantages and existing problems, find a suitable branch of ICBC BDJ personal financial business development path, which is of this article main research contents。...