The Xi’an Chang’an Branch,Bank Of China Personal Financial Services Improved Mechanism

Bank of China Chang’an Branch personal finance business development process, its sales phase of the types of financial products has been a substantial increase in the past, but there is a certain homogenization of products between the domestic industry has not formed a clear competitive advantage, not completelyrecommend appropriate financial products to customers in accordance with the actual needs of the customers. Bank of China Chang’an Branch lack of independent research and development capabilities in the pricing of personal finance products, its pricing power depends largely on the inquiry to the head office, and not independent due to its pricing and offer products in the face of customers with special needs in the duration of benefits rate requirements are often not flexible according to customer demand to meet the customers, but the profit margins tend to be smaller.Bank of China Chang’an Branch personal finance products if you want to stand out in the market, it is necessary to implement differentiated marketing strategy on the basis of pricing power, the establishment of financial management and improve the scientific management system and marketing system, strengthen risk management of financial products, innovation and market marketing idea, place with good sales channels in the interbank market competition based on segmenting customers take full advantage of market resources.The market needs nurturing, customers need to cultivate the same, I believe in the process of escalation as well as innovative marketing idea of financial products, the Bank of China Chang’an Branch Personal Financial Services will be able to get more room for development.