Bank Of Ning Xia Finance Business Development Research

China’s commercial banks personal financial business development time is shorter, there are many shortcomings in the management, service, marketing and innovation, and the need to constantly improve. In recent years, with the continuous improvement of people’s living standards, more and more personal finance recognized and valued the people. Commercial banks financial products and styles, marketing is innovation, customer buying enthusiasm is growing. With the advance of market interest rates, commercial banks deposit and lending spreads gradually reduced, we had to find new profit point, to develop financial services and intermediary business, is undoubtedly the future trend of development of commercial banks. With the increasing inflation, the stock market turmoil, personal finance is becoming the focus of attention. With the accelerated development of the Internet financial, physical disintermediation phenomenon intensified, "to the scene of serious being pulled away from the network with customers, customers are moving away from outlets. Therefore, it is necessary for the development of personal financial services at this stage the use of scientific methods to study and improve the structure of financial products, a clear direction of development of personal financial services, personal financial services to ensure the healthy and steady development, and to be able to bring considerable business profit.In this paper, the development of personal financial services Bank of Ningxia as the research object, the status of the development of personal financial services Bank of Ningxia has been fully research and analysis, combined with the current status of the development of domestic and foreign commercial banks personal financial services, research and design of Ningxia Bank Personal Financial Business Development Strategies. Thesis SWOT analysis from the strengths, weaknesses, opportunities and threats in four areas to determine the Ningxia Bank Personal Finance Business Development Problems. Ningxia bank for personal financial services product range exists less management system is imperfect, can not reach the customer service expectations and other related issues, through increased financial product innovation, improve the management system, improve the personal financial services system and other measures designed to develop a suitable strategy Ningxia bank personal financing business development.