Remote Minority Areas Of Commercial Bank Personal Financial Business Development

In recent years, along with the social economy and the rapid growth of housing, medical insurance, endowment insurance, and educational reform in the gradual implementation, the personal income of Chinese residents have continued to grow, the financial assets of households increased gradually, and in promoting the process of the construction of a new socialist countryside, to further strengthen exchanges between residents of remote minority areas, minority financial management concepts and wealth means under the influence of environmental change, also have taken place in the profound changes, which to the commercial banks in the development of financial business in remote minority areas brought new opportunities and challenges. Economic development and income increase will be accompanied by changes in ideas, with the development of the commercial bank financial business, residents’ financial management concepts are changing rapidly, residents in remote minority areas also began to gradually accept the commercial banks to carry out financial business, resident financial knowledge and product demand also strengthened gradually, the commercial banks in remote minority areas to carry out financial business has a large potential market.But although the commercial banks to develop financial services in remote minority areas has great market space and opportunities, but there are also some problems, such as: in remote minority areas residents themselves there is a lack of financial management concepts, quality is not high; outmoded consciousness, resist risk ability is weak; to accept new things and ability is not high, by traditional consumption concept of great influence. Products targeted is not strong, residents can selectivity is not high; financial personnel professional quality is not high, opaque products. People don’t trust; high threshold of funds, lack of market segmentation and product innovation; lack of financial publicity, the residents of the financial business understanding narrow; personal financial services software and hardware measures developed regions and the mainland compared to still larger gap problem exists in the commercial banks.This article will from the point view of remote minority areas individual customer financial needs of the combination of commercial bank sample survey, area economic situation investigation and residents questionnaire survey way, creatively put forward to commercial banks should pay attention to the development of personal financial business in remote minority areas, further explore and remote minority areas of personal financial services development situation and the existing problems in depth analysis based on remote minority areas the financial needs of the residents of that promote remote minority areas of commercial banks personal financial business development of countermeasures and suggestions.