Research On The Current Situation And Countermeasures Of Personal Finance Business

Along with the rapid development of economy and the continuous improvement of the market economy system, China’s capital market increasingly active. The Banks in the country’s economic development plays a more and more important role. At the same time, the bank’s speed is accelerating product innovation and service innovation. Residents in our country at present, the overall level of income and disposable income level increase, people at the mercy of the way to wealth is fundamental changes have taken place than before, residents to enhance financial management consciousness. Good economic environment for the commercial bank individual financing business development has provided the realistic foundation, at the same time, also to the commercial bank individual financing business development put forward the basic requirements.The rapid development of personal financing business provides a new profit growth point of commercial Banks, personal finance business because of its characteristics of the service, has become a financial institutions to maintain customer relationship. At present, a large number of domestic and foreign commercial Banks to act quickly, adjust strategic thinking, to develop the personal finance business, some commercial bank personal financing business has become an important source of profits.In recent years, Baoshang bank also seize this important market opportunity, began to develop personal financial business. Baoshang bank, as the representative of the western city business since2008, started to financial markets. After several years of the development of the small steps, in2011and2012, the network transformation of Baoshang bank as an opportunity for the development of the strides.But, the personal finance business of Baoshang bank still exists lots of problems. The personal finance business is still in the stage of development. And the other commercial Banks at home and abroad, there are quite a gap in the same business. Therefore, how to further use personal finance related theory and practical experience, study countermeasures for Baoshang bank personal finance, is still an very important topic. Based on the Baoshang bank individual financing business actuality as the foundation, the thorough analysis in Baotou region of individual financing business development present situation and market environment, based on actual, through theory and practice research, deeply analyze the Baoshang bank personal financing business. According to east city commercial Banks of China, carry out the situation and the trend of personal finance business. The Baoshang bank personal financing business carried on the thorough analysis of current situation and existing problems. And on this basis puts forward the personal finance business has established a sound management of incentive and constraint mechanism, to carry on more detailed customer segmentation, wealth managers accurate product positioning, strong construction team and so on. Hopes to improve contractor bank personal financing business strength and brand competitiveness and realize sustainable health contractor bank personal financing business development to provide theoretical support.