| In recent years,with continuous growth,the continuous improvement of residents' income,people's demand for financial products more and more strong,especially in the interest rate market since the people's desire to reduce the deposit,the demand for personal finance to the more prosperous,domestic commercial banks have also launched a personal financial business.Some of which banks in the personal financial business development increasingly mature,with a more complete management system,effective marketing tools,with professional sales and management personnel team.March 20,2007 China Postal Savings Bank was formally established,is approved by the Banking Regulatory Bureau in the reform of postal management system based on the formation of commercial banks.After the establishment of the bank,in order to promote the comprehensive transformation to the commercial banks,is committed to the development of retail business,especially for the development of personal finance business is also very important,but compared to mature commercial bank postal savings bank started late,lack of experience,Management system is incomplete,marketing means a single.How to develop personal financial services to enhance the competitiveness of postal savings banks is an important and urgent research topic.Especially for the postal savings bank,in many business is not sound situation,in the personal financial business development process in the face of how the market opportunities and challenges,how to develop personal financial business is particularly important.This paper takes the mianyang branch of postal savings bank as the research object,takes theoretical research,comparative analysis,literature review and other methods to study the development of personal finance business,discusses the existing problems,existing opportunities and challenges,and combined with the current market environment Postal Savings Bank 's Personal Finance Business Development Opinion. |
PDF Full Text Request