| The financial products business of domestic banks is developing uninterrupted in recent years,and it's proportion of bank's income has also improved.From the perspective of the environment,further promotion of the marketization of interest rate and the impact from financial disintermediation are bound to require commercial banks to reduce the traditional loan business and to speed up the advance of intermediary business.At the same time,the financial products business has the ability to expand rapidly.When banks can control the risk very well,they will obtain more low cost of capital at the load side,slowing down the negative influence by the trend of spreads contraction so financial products have become the breakthrough point for vigorous development of intermediary business of the banks.Duties and responsibilities of branches turn to the sale of financial products mainly from deal service mainly,from the "trading center" to "marketing center",which speed up the development of the financial products greatly.Huishang Bank is the largest city commercial bank in the central region of our country,walking in the forefront of the transformation of innovation all the time.This paper takes Bengbu branch of Huishang Bank as the investigation object and the author conduct a research deeply in the bank.The overall situation of financial products in Huishang Bank is first introduced,and the author analyze the basic situation of Bengbu branch.Then the author discuss the characteristics of financial products and the main products from the perspective of product supply,and analyze the demand for financial products to Bengbu citizens in the form of a questionnaire survey.Finally the author generalize related issues in the process of developing financial products in Bengbu branch starting with the contradiction existing in the comparisons between supply side of the bank and demand side of citizens,and puts forward concrete countermeasures and suggestions. |
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