Financial Product Market Development Strategy Research Pudong Development Bank Shenyang Branch

Personal financial products market development, can promote the steady development of the regional financial and economic, Shanghai Pudong development bank Shenyang branch can help develop a more scientific wealth management products, enhancing the overall competitiveness of its industry. Both can broaden customer channels, but also build brand image, get more development opportunities from a strategic transformation of the bank.Shanghai Pudong development bank Shenyang branch 2013 operating income of 4.1 billion yuan, an increase of 15.36% over the previous year, the interest income in revenue accounted for 88.44%, falling by 2.02% over the previous year, fee and commission income of 10.54%, up by 0.65% over the previous year, operating profit of 255800 yuan, a year-on-year increase of 31.62%.Although the Shanghai Pudong development bank Shenyang branch in the capital to expand and assets operation, etc has made good results, but for the personal finance business is still in a stage of development, in the process of implementation of the personal finance business advantages and disadvantages of their own. At present, the Shanghai Pudong development bank Shenyang branch of personal finance business there are many problems. First of all, the bank financing business practitioners without targeted recruitment and professional training, most from general banking network cabinet, after a brief orientation on mount guard, with the customer requirements anticipated investment financial planning has the certain disparity, word of mouth is unsatisfactory in society; Branch of personal finance products pricing autonomy is not high, mainly adopts the following strategy for personal finance products pricingIn Shanghai Pudong development bank Shenyang branch as the research object, with the basic theories of personal finance as the research direction, through to the Shanghai Pudong development bank Shenyang branch of personal finance business, the paper analyses the present situation, put forward the problem of personal finance business of operation, the Shanghai Pudong development bank Shenyang branch of personal finance business there are many problems. Such as bank financing business practitioners without targeted recruitment and professional training, most from general banking network cabinet, mount guard after a short orientation, investment financial planning with the customer requirements expected has certain gap. Other products is relatively single. And Shanghai Pudong development bank Shenyang branch of personal finance business staff liquidity is bigger, etc. Aiming at specific problems based on certain theory to explore the corresponding improvement countermeasures and put forward the market development strategy, product strategy and marketing strategy. As a result, the content of the article has a certain theoretical, and has the pertinence, for Shanghai Pudong development bank Shenyang branch, and other domestic commercial Banks implement the personal finance business has a certain guiding role.