Research On The Development Of Personal Financial Services In Industrial And Commercial Bank Of China HS Branch

In recent years, along with our country economic development, the whole incomeof domestic residents has been greatly changed. When people become rich,they have moredemandings on material and cultural life.The wealth of domestic residents increasedrapidly, wealth management was gradually accepted by common people.They hope thatthrough professional institutions to satisfy their desire for wealth inflation-proofing andappreciation. Therefore, personal finance services with its wide resources, low risk, easyoperation, stable income became the bank new profit point of growth.This article studies the problems in personal financial services of ICBC HSBranch,and design a set of reasonable implementation scheme to optimize the personalfinancial services of HS Branch in practice.First of all, this paper briefly introduces thebackground, significance, and the concepts of personal financial services, as well as thedevelopment of personal financial services in domestic and foreign commercialbanks.Secondly,the article shows the basic situation about the ICBC HS Branch, financialproducts and the risk grade in the market. Thirdly, in combination with the practice of HSbranch ICBC, through planning financial market positioning, analysing of customergroups, summarizing the business characteristics, the article conform the problems inpersonal financial services and related reasons.Finally, in view of the above problems, thisarticle mainly focus on four aspects: the strengthening of branch network construction,upgrade financial awareness of branch staff, enhance training system for financialplanners,explore the marketing. gradually an excellent brand for personal financialservices would been build to closely meet market and customer needs...