Research On The Market Segmentation And Market Positioning Of RMB Financial Produces In Commercial Bank

As Our residents overall income levels and household assets continued to rise, residents gradually strengthen awareness of personal finance, commercial banks issued more financial products than ever before, the amount of products has refreshed history. But domestic research refers to market segmentation for financial products is shallow, just give some basic comments and suggestions.This dissertation researches the differences of financial product sailing between domestic and foreign country by Comparing Analysis,Empirical Analysis, Empirical analysis and Statistical analysis,Then gives some proposals to develop financial products from four parts. In the first part the dissertation gives an overview of financial products, to introduce the meaning of financial products, and market positioning theory, namely life cycle theory and marketing theory.The second part of the dissertation superiority and the existing problems of market segmentation and market Positioning for RMB financial products. In the third part the dissertation explains the reasons of the factor which affect the market segmentation. At the last, this dissertation gives some proposals to the market positioning of banking finance of ICBC.This thesis is quite meaningful to the development for financial products,and it also provides a practical reference to similar studies in this research area.