An Empirical Study On The Influencing Factors Of Customer Demand Of Personal Financing Services In N Bank Wenzhou Branch

The acceleration of economic progress has led to increased competition among financial institutions,including Banks,and how to ensure that they have sufficient capital to operate is very important.To this end,the major Banks and other financial institutions have adopted the corresponding financial products and other means to hold the storage,aiming to enhance their own economic strength,and then continuously increase the competitiveness of the market.In recent years,with the increasing of people's personal economic income level,the financing demand is growing,the analysis of the bank of personal finance business requirements can be fundamentally understand customer needs,to help Banks more quickly find the customer pain points,and faster to obtain corresponding money for turnover,achieve the goal of deposits,etc.Specific and smoke,this article mainly USES the bank of N bank wenzhou branch as an example,the specific analysis of its personal finance business demand influence factor.The first chapter,first starting from the research background and significance,analysis of research status at home and abroad,establish the general research framework of this paper,chapter two analyzes the related theory,from two aspects of macroscopic and microscopic points out that the judgment of individual financing business development is key indicators,such as price index all belong to the macro factor,and the customer belong to micro factors such as age,gender,and research variables,prepare the way for further empirical research;Again,in this paper,the N bank wenzhou branch,do descriptive statistics analysis of the current situation of personal finance business by data processing,as well as setting a variable in regression analysis is done in the following steps,the corresponding analysis results:age,purchases,production period and financial product behavior can affect N bank wenzhou branch individual financing business development;Finally,the article according to the current N bank personal finance business of specific customer needsto put forward the corresponding improvement Suggestions,points out that the N Banks can according to different ages,different gender groups with different products,at the same time in the sales link should strengthen the network marketing,and use the Internet to promote and sell products,such as promotion of mobile terminal products..Generally speaking,this article empirically points out the specific needs analysis of N-bank Wenzhou Branch's personal wealth management business.It aims to make everyone have a deeper understanding of the development of the bank's personal wealth management business,and at the same time,it gives the bank development to improve this business.Measures have a good guiding significance for the bank's business development in this area.