| With the development of our country’s economy,residents’ disposable income increase gradually,people gradually increase to the demand of personal finance,commercial Banks compete to introduce their products.The development of economy,people’s income leads people to hand spare money also gradually increased,people demand for personal financial management business also gradually increased.Nearly ten years,our country banking explosive growth,personal finance business of personal finance business gradually mature.People also showed diversified demand for personal financial management business,more and more external factors to influence the demand of the residents’ personal financial management business,academic study of personal finance business began to increase.This paper expounds the bank financing business development present situation,the domestic and foreign research situation of relevant theory,then respectively from the macro and micro analysis of financing business external environment.Summarizes the influence factors of bank personal finance business,such as macroscopic factors of stock index and price index,and micro factors of customers such as age,gender,to summarize these influencing factors and finishing.Select the influence factors of the above listed as independent variables,purchases as dependent variable,makes an empirical analysis of financial products.Sorts through the data and then to S the present situation of the bank financing business do descriptive statistics analysis,then establish multivariate regression model of influence factors,multivariate regression analysis.Through the demand for wealth management business regression analysis,the influence factors that general regression equations,find out the influence factor of each influence factor.Finally summarizes the results of analysis and concludes that the root for this article conclusion put forward relevant policies and Suggestions,etc.Through the statistical data,found that S bank financial products customer purchases between 100000 and 200000,and most of the customers to buy short-term finance.In the customer’s sex ratio,female clients than male customers.In constructing a regression model,this article for assignment of virtual variables such as gender and age.Regression analysis results showed that the factors such as age and gender and financing business demand was a positive correlation,and greatly influenced.Macroeconomic factors in the rate of inflation and negatively correlated with financial business,the stock index of financial business impact is not big.Based on the above analysis,this paper put forward the corresponding conclusions and policy recommendations.Inflation rising period of falling customers buy products do not have wealth preservation function.In the short term,the stock market’s effect on the financial market is not big,can be regarded as independent of each other.Factors such as gender and age had a greater influence on the purchase of wealth management products.As a result,Banks should be from two aspects of product development and sales to improve and upgrade.In product research and development section,S bank should launch more medium-term financial product and the amount of starting lower products.For people of all ages to launch different products,according to the men and women with different products.In the sales link,first should strengthen the network of sales,and use the Internet to promote and sell their products,such as promotion of mobile terminal products.Through the above measures,S bank can further develop your financial business,meet the demand of public finance. |
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