Pudong Branch Personal Financial Business Development Strategy Research Of The Postal Saving Bank Of China

The postal savings bank of China was founded in 2008. It is a commercial bank whick established on the basis of the pastal savings financial business. Due to the post office bank assets accumulation has been dependent on only savings, so personal financing business starts late, awareness is not high, far less than other commercial Banks in the development, especially in a second-tier cities, the market share and small. Shanghai as the economic development of the nation’s leading, refused to complete statistics about more than 300 Banks and foreign Banks. As the forefront of reform and opening up and economic development area in Shanghai pudong, Post SavingBank pudong branch of individual financing business development started relatively late, regional differences, between each branch also is uneven. Compared with other commercial Banks and other financial institutions, the gap is still very obvious. How to speed up the development of the personal financial management business in the pudong new area, make the personal finance business comprehensive and balanced development in the pudong new area, catch up with other outstanding counties, into a line, and a foothold in the huge competition, is an important and difficult task.This paper first analysis the Post SavingBank pudong branch at present the development of personal finance business, operating condition, and the products are introduced, for example the current development strategy, find out the problems existing in the current policy. Then through the SWOT analysis, research in the pudong new area branch respectively unique to individual financing business development strengths, weaknesses, threats and opportunities. Finally, the screening of marketing mix theory, find out the most appropriate Post SavingBank pudong branch marketing mix elements of the business development, combined with life cycle theory and market segmentation, the advantage into full play, grasp the unique opportunity to pudong branch, avoid disadvantage conditions, avoid the threat of the outside world. Proposed so far for post office bank individual financing business development strategy, break Post SavingBank pudong branch current business development bottleneck.