Research On SZ Bank Personal Financial Business Marketing Strategy

In recent years,as the income of domestic residents continue to improve,personal customers come to seek all kinds of personal financial products.Every commercial bank come to realize that personal banking is so important to the future of the commercial bank that they begin to focus on the development of it.However,personal financial products are very homogeneous and financial enterprises are lack of innovation capability,they cannot meet the increasingly diverse needs of the masses.Alone with the personal wealth accumulation and ascending demand for consumption,citizens in Suzhou require SZ Bank provides more superior personal financial service.Notwithstanding SZ Bank obtained relatively speedy development via great efforts in recent years,under the new circumstance such as interest rate liberalization,diversification of financial products,automation of service and financial disintermediation,sorts of defects still exist in SZ Bank which are comprised of customer segmentation maintenance,build for multivariation of channel,creation of products and service and staff training.Consequently,how to effectively utilize marketing strategy theory to enhance the personal business is of essential practical significance concerning the development of SZ Bank.Using related knowledge and experience in daily practice work,and also considering four external factors of Su Zhou such as politics,economy,society,technology.This essay analyzes the inadequacies in developing the personal business,then raised the feasible marketing strategies to explore how to ameliorate personal financial business marketing by means of dynamically matching corresponding marketing strategy.