Research On Optimization Of Financial Product Marketing Strategy Of Jiang Xi Rural Credit Union

With rapid social and economic growth,rising living standards and rising incomes and wealth,people are turning more attention to how money is spent than to whether it is enough.In order to realize the asset preservation and increase,personal finance awareness is gradually strengthening,and the demand for financial management business is increasing to a corresponding extent,which makes all banks have to increase their efforts in the development of personal finance products in order to meet people's growing demand for wealth.As far as the supply side of financial management business is concerned,the profit of personal financial management business is not high,which shows that the development of personal financial management business is a huge margin for banks.With the improvement of relevant laws,China's financial management market has entered a rapid development of the era,many institutions such as banks,insurance and so on have introduced some of their own financial management products,which makes personal financial management products become a competitive point for financial institutions.Since the opening of financial market in China in 2006,the foreign financial institutions have also joined it,and the foreign financial institutions have rich experience in the field of personal finance,which undoubtedly brings huge challenges to the commercial banks of China.Jiangxi rural credit union,or agricultural and commercial bank,as one of China's commercial banks,personal finance business is also developing rapidly,but its marketing strategy does have many problems,such as backward marketing ideas,insufficient product structure and single marketing channels.To get more market share in the fierce competition,Jiangxi Rural Credit Union needs to formulate certain marketing strategies and adopt specific measures.In general,based on the working practice,this article takes the financial products of Jiangxi rural credit union as the research object,analyzes the market environment and puts forward a scientific and effective marketing strategy,which can be said to be a good complement to the theoretical research of financial products.Moreover,this research is also very favorable to improve the competitiveness of financial management business of Jiangxi Rural Credit Union,which can promote the business development of credit union,and also has a guiding role for other banks to make financial management business product marketing strategy.This article mainly includes the following aspects: the first part of the introduction,mainly introduces the selected topic significance and background of this article summarizes the domestic and foreign existing financial product marketing literature,and to determine the research methods of this article.The second part analyzes the advantages,disadvantages,opportunities and threats of financial products by SWOT analysis.The third part analyzes the problems and causes of the marketing of financial products of rural credit cooperatives.The fourth part puts forward Suggestions to optimize the marketing strategy of credit cooperative financial products from the aspects of product innovation,effective marketing strategy,training of professional talents and perfect customer management.The fifth part is the conclusion and prospect.