Research On The Problems And Countermeasures Of Personal Finance Business Of Changchun Branch Of Industrial Bank

Modern personal financial services first appeared in the early twentieth century, then between sixties and seventies developed rapidly, with the accumulation of personal wealth and household wealth, people gradually changing the concept of wealth management took place, personal finance business gradually coming into sight, more and more people became receive this service. In today’s daily operations of commercial banks, the personal financial services because of its highly specialized, and will assume a relatively low risk under certain circumstances the assets in exchange for a relatively substantial revenue, so it more and more commercial banking operations attention, it has now become the most important commercial banking business development. Faced with a huge market demand challenges and opportunities, commercial banks competing to play to their strengths and potential, continue to increase support for science and technology information technology, and actively establish personal finance business structure, the purpose is to occupy a broad space for development of the personal finance market.For today’s highly competitive personal finance market, compared to domestic and foreign commercial banks successful experience in the development of its case and personal financial services in the process, found that Industrial Bank in Changchun products, efficiency and hardware facilities, there are certain problems, so for these problems identified constraints Changchun Industrial Bank personal financial business development reasons, including lack of product competitiveness, the lack of marketing ability, service system is not perfect, lack of qualified staff and lack of financial support and other technical systems. For the above, the author proposes countermeasures that Industrial Bank Changchun to intensify in the first financial product innovation, but also improve the quality of marketing; secondly to improve customer service, and increase investment in information technology. Finally, strengthen the training of financial professionals, to facilitate effective implementation of personal financial services.