Refined Service Financial Products Design Of Private Small & Medium-Sized Banks

In November 2013,18 specifically to allow the third plenary session of the establishment of the private small and medium-sized Banks,the following year in March,such as Tencent,Arranges source,Alibaba 10 two common folk capital to launch five private small and medium-sized Banks pilot work,marks the appearance of private small and medium-sized Banks.In this paper,the author studies on private small and medium-sized Banks is the spontaneous set up private capital,for their own risks,and for themselves,into the national unified regulation of emerging financial institutions.As an economic and financial reform under new normal major initiatives,the author of the private small and medium-sized Banks at present market positioning,service range,service object and financial demand characteristics related to the business situation,etc,on the basis of analysis,through the SWOT analysis of the current overall situation of private small and medium-sized Banks,from the perspective of financial products innovation,market demand of the customer base,target,in-depth study of product form,fine service financial product innovation design is put forward,which based on the research target audience to elaborate,outstanding customer center position at the same time provide meet its diversification and individuation,differentiation of financial products and related services.Therefore,the author respectively for the individual and small micro enterprise two customer groups in different design for product innovation.Among them,the individual in the process of product design,in order to point with surface,selecting potential value of college students,for example,through the form of questionnaire survey,with the survey results to analyze the target customer specific requirements to design the products meet their needs.However,in the small micro enterprise in the process of product design,for the predicament of financing in the small micro enterprise development status and fine service financial product design scheme is put forward,and introduces the design scheme of each link.Private small and medium-sized Banks is put forward in this paper,the fine service financial products innovation design mainly has three aspects.First,rich private small and medium-sized Banks existing business type,provide diversification,accurate financial services products,enhance their market competitiveness.Second,through the fine service financial products innovation design,on the one hand,in order to solve the diversity of the complication of small micro enterprises,financing demand and provide convenient and quick,strong operability and standardized business processes.On the other hand,also for individual customers to provide more specific and targeted a wide range of financial services.Third,fine financial services not only is the good choice of private small and medium-sized Banks,is also an inevitable choice for the future in the financial markets,so the design scheme can provide a certain amount of the development of financial market in the future can be used for reference.