Research On Financial Business Optimization Of A Investment Company

With the rapid development of the national economy and household wealth accumulation,commercial banks assume the social responsibility of providing financial services for the public.In recent years,third-party financial companies grow continuously as non-banking financial institutions,invigorating the development of wealth management business.At the same time,personal investment is no longer confined to increase the value of assets,but pays more attention to the realization of personal needs.Third-party financial companies will face some problems such as personal financial product homogeneity and diversified customer demand.Therefore,the A investment consulting company as a third-party financial company can be also difficult to survive.In order to solve this problem,firstly,this paper analyzes the status quo of financial services of the A investment consulting company.It reveals the problem preliminarily that clients are dissatisfied at personal financial services of the company.Secondly,according to the customer satisfaction measurement model of the China’s service industry,the author designs and distributes the customer satisfaction questionnaires,then collects and analyzes statistically data of the survey,calculates customer satisfaction.It comes to conclusion that the diverse and personal demands of customers are the key elements which impact customer satisfaction,and it also shows customer satisfaction of the A company is low.Thirdly,using the technology of mass customization and module partition method,the author divides the personal financial products sub-functions into 5 modules and 31 modules cases,builds the constraint model of restructuring and configuration of customized financial products.It comes to true that modules cases are in reorganization and configuration on the basis of PHP technology,and then shows the configuration and restructuring sets of customized financial products.Finally,based on the performance and time-optimal conditions of financial products,the author selects 13 groups optimum schemes.By actual example,the author compares the existing financial products,13 groups configuration and restructuring schemes and self-select combinations of the clients,and then discovers 13 groups schemes which can meet diverse needs of customers.The discovery verifies the availability and effectiveness of the proposed scheme in this paper.