The Development Strategy Research Of Bank Of Communications’ Individual Financial Business

In recent years, with the steady accumulation of wealth in China residents as well as the further deepening of financial reform, residents growing demand for wealth management, personal finance market presents a thriving scene. Personal finance business as a financial service in our country formed vigorous development momentum of the new situation, to meet the residents of the growing demand for financial products and further promote bank personal finance business change and innovation, the banking sector with personal finance business resources widely, income stability, low risk and easy operating advantages to become the new profit growth point and the breakthrough to expand market share. However, subject to the current financial market environment and policy environment, the development of domestic personal financial market starting point and various commercial bank’s own management pattern, the domestic commercial Banks in the process of personal finance business has many problems.Therefore, this article selects the GXQ branch of Lanzhou as a study, according to the actual situation of the bank’s personal finance business has carried on the field survey and investigation, the present situation and existing problems in the development of the system analysis, summary and induction, and combined with the specific situation of the GXQ branch from product strategy, service strategy, marketing strategy, personnel management, customer relationship management strategy and risk prevention and control strategy and so on to optimize their personal finance business.The GXQ branch of bank of communications should cling to the current Chinese economy good development opportunities, keep up with market and customer demand, to strengthen the brand construction, form the professional financial management team, so as to enhance the overall competitiveness of personal finance business.