Contractor Bank Personal Banking Business Development Strategy

Through the analysis of the research background information, this thesis emphasizes that, either from the perspective of competition or from the survival and development, commercial banks urgently need to develop individual financial service. This thesis also demonstrates that, confronting the horizontal competitors'advanced technique, high-class service and enormous clients, Baoshang Bank must timely change management tactic. In order to promote individual financial brand and to create individual financial core competence, Baoshang Bank will take individual financial service as the main approach for providing special, zero distance service, as an important component of profit, and as the foundation and motive power of the sustainable development. Therefore, it is of significance to plan and study the development strategy of individual financial service and to improve its core competence, conforming to the development tendency of international financial industry and adapting the needs of market competition.This thesis gives a clear definition of enterprise strategy and elaborates four analytical modes of business tier strategy. Through the analysis of external and internal development environment, this thesis contends the overall environment and the competitors of Baoshang Bank, at the same time, objectively analyzes the local resource in Baoshang Bank. With applying to SWOT analysis method, the studies focus on the advantage and disadvantage of Baoshang Bank, and on the option and formulation of development strategy for Baoshang Bank individual financial service. In the aspects of strategic vision, strategic objective and strategic option, it indicates the strategies which Baoshang Bank should adopt to develop individual financial service, for the purpose of enriching the theoretical resource of Baoshang Bank strategic development. Furthermore, in terms of organization strategy, product and service strategy, channel construction strategy, and human resource strategy, this thesis provides a meaningful reference for Baoshang Bank's the strategic vision to develop individual financial service into individual financial service integrator.