Studies On The Development Of Personal Financial Services Of Feicheng Agri-Businesses Bank

Rural finance means all kinds of economic activities related to the circulation of rural currency and credit activities.Nowadays,with the rapid development of economy,the disposable income is constantly on the rise.The rural personal wealth-management business,as one of the most famous financial performance tools,has been attracting extensive attention.Obviously,there must be more requirements about number and quality of the personal wealth-management business.At the same time,with the development and maturity of the financial market,more financial competitions are occurring.Loans and deposits are not enough to meet the society demand.At present,more market and clients have been taking possession by the innovative products and optimized services of banks to increase the competitive.For Feicheng City,there is few personal wealth-management business.In brief,to develop the rural personal wealth-management business in Feicheng,not only meets the current need of the market,suit the social environment,but also fill the status of rural credit cooperatives personal finance products in the primary stage of development status of rural credit cooperatives in the primary stage of development of individual wealth management products.Thus,this work was focus on the credit union personal wealth-management business.SWOP method and linking theory with practice method were used to analysis the problems.We compare some the facts,including superiority,weakness,opportunity and challenge,insight into the competitive market,understand the opponent,analysis the problems of the credit union like this: Completes the transition from separated operation to mixed operation,create excellent brand image,provide diversity and personalized characteristic service,improve customer loyalty,training professional financial personnel;Set up good business ideas,innovative thought foundation,poor institutions cohesion of individual wealth management products,market segmentation effectively and reasonable positioning to the customer and establish and improve the personal financial management business risk management system.The innovation of this manuscript lies in seizing the latest development of the rural credit cooperatives of personal financial products,using real-time survey and inquiry,master the latest data,highlighting the effectiveness.At the same time,from reality,analyzes the phenomenon,emphasizing practicality.holding the latest development of the current and highlight the effectiveness,meanwhile,it analyze the phenomenon from practice,and emphasis product on practical.SWOP method was used to obtain the accuracy information about the financial market.According to the obtained information,the optimum personal wealth-management business plan can be made.From the analysis,the credit union personal wealth-management business in Feicheng City would have a tremendous motive force in the future.This manuscript includes six parts: Chapter 1,preface.Mainly discusses the researches’ background and significance.Chapter 2 is introduced relevant concept definition and theoretical basis.The third chapter is the status of rural credit cooperatives development present situation analysis of individual wealth management products.The fourth chapter analyzes analyzes the reasons of personal financing product innovation of the rural credit cooperatives and meaning.Chapter 5 mainly analyzes about status of rural credit cooperatives in the aspect of personal finance business using the SWOT method.The sixth chapter is the seventh chapter and summarizes the conclusions.And it puts forward the status of rural credit cooperatives from four aspects countermeasures of credit union personal wealth-management business development and innovation.The last chapter is the seventh chapter and summarizes the conclusions.