The Research For The Personal Financial Product Of HX Kunming Branch Of Bank

Bank of personal financial products from2004introduced the first product to now after11years of development, these11years been a steady growth in people’s income, financial planning awareness has been continuously improved, people made drastic financial needs for commercial Bank offers personal financial planning products more diversified and personalized and requirements of innovation, but according to China’s regulatory requirements, our commercial Bank financial products investment targets and product type are similar. In coexistence situation,Bank’s manager looking for differences in the situation to get recognition for customer becomes extremely important. HX Kunming Branch of Bank of personal financial product development10years, experienced a great period also experienced a traumatic period, from2012began to enter the orderly and stable development. Looking back on the development of personal financial products this year’s Kunming Branch, have to be proud of but also worthy of improvement.In this paper, the type of value-added services and sales of financial products HX Bank Kunming Branch of the existing status quo of financial products is analyzed and elaborated through. Pointed out the existence of financial products HX product range single; financial product sales risk disclosure is not in place, lack of services and sales promotion formal innovation; upgrade existing customers being ignored, value-added service missing; finance team of professional quality to be improved, not financial Responsibilities clearance and other issues. Corresponding countermeasures and suggestions put forward for the problems.First, the product strategy Kunming Branch to actively coordinate with the head office to enrich their product range to meet customers’ financial needs financial, product diversity while strengthening the consignment to meet customer demand configuration and integrated financial products it is necessary to establish the Kunming Branch of service brand image but also to talk about sales throughout the service itself, while making innovative sales methods, sales targets; again, the maintenance strategy must seize the existing customers upgrading work, improve customer value-added service system, value-added services to meet customer demand; and finally, the management strategies necessary to improve the sense of responsibility financial officer positions have detailed financial manager job work, a clear assessment. Hope can alleviate the bottlenecks of HX Kunming Branch Bank financial products business by the recommendations.