Study On Innovation Of Personal Financing Product For CA Bank

With the rapid development of our economy,the income level of residents increased substantially,the bank financial services customers growing community.At present,personal financial business is still in the stage of rapid development,the market prospect is very broad.The scale and variety of financial product has risen sharply,banking financial products is the most important investment way for Investors,personal finance business with small risk,high added value,wide area,batch number,can meet various investment demands,has become a bank project priority.But the difference between product design convergence and residents' financial needs,inevitable requirement of commercial bank personal finance product innovation,provide various deadlines,personalized financial products rich varieties.Firstly,this paper analyzed personal financing product innovation research status and theoretical basis,including personal finance product concept and classification,the connotation of financial innovation,innovation necessity,and the theoretical basis of personal financing product innovation,which provides the theoretical basis for the research.Secondly,introduces the development current situation,characteristics and development trend of CA bank personal financial products innovation.Again,find out the main problems and the causes of personal financing product innovation of CA bank.Serious quality homogenization,inaccurate market positioning,imperfect information disclosure mechanism and the technology of information network backward.Personal financial product innovation management structure is imperfect,backward risk control ability,lack of professional talents and financial service technology systems development lag and so on for the above problem.Finally,aiming at the existing problems and the causes of product innovation,through in-depth research and analysis,from improve the personal financial product innovation management structure,improve the product risk control level,to cultivate high-quality talents,put forward the innovation strategy to push into the personal financial products of CA bank four aspects to strengthen product innovation design ability development.In innovation management,put forward the product manager system scheme and the internal marketing strategy,in order to improve the management efficiency of financial products;establish perfect risk management system and information disclosure system,adopt different risk control measures,the establishment of bank internal audit mechanism and the establishment of financial business statistical analysis report system and other measures of personal financial products the implementation of risk management;strengthen personal finance expert team building,reform the employment mechanism,pay attention to personnel training and improve the comprehensive quality of financial personnel;in product design introduces the modular design concept,subject variety,hook combination of existing products and design,speed up the differences between product development and so on to strengthen research and development capabilities.In this paper,personal financing product innovation is the combination of theory and practice,aims to study and analyze some practical application value of personal financing product innovation strategies and measures,in order to provide a reference to promote the stable development of our country commercial bank personal finance products,meet people's growing demand for investment,enhance market competitiveness.