Research On The Optimization Of Personal Financial Business Development Strategy Of Fushun Bank

In China,with the continuous development of the economy and society,people's positive desire for investment continues to increase,and the requirements for the development of personal financial services for banks are also rising.With the rapid development of the financial market,the competition between commercial banks has also intensified.Each bank has invested a lot of manpower and material resources to enhance its competitiveness,and it has been fiercely competing in the area of personal finance.In order to occupy the market share and ensure its own competitive advantage,Fushun Bank has continuously devoted itself to personal wealth management business in recent years,laying a good foundation for gaining higher profits and reflecting the current development means of most domestic commercial banks.Financial business has become an important part of the development of various banks.From the perspective of connotation,personal financial services are directed to some of the business of the general people for a certain economic benefit.In order to develop their own business and expand their business,the bank actively carries out personal financial affairs.From the perspective of value and function,the personal financial business of commercial banks can greatly promote the development of commercial banks.It can greatly promote the development of national financial services and greatly improve the happiness index of the people,and can greatly promote the new normal development of the national economy and society.The origin of personal financial business theory is very early,but late for the new personal financing business in China's commercial banks,and the homogeneity marketing is very serious.This phenomenon is due to the development of personal financial services,which leads to the lack of characteristics in the development of personal financial services in commercial banking.The content and channel of financial services are too narrow and compared to foreign countries.In terms of financial products,the content of financial products is much less than that of commercial banks in western countries.At present,most of the funds of domestic commercial banks are not sufficient to support the financial brand advantages of financial products,and the development and expansion of their business needs a lot of room for progress.From the successful experience of personal financial services of commercial banks at home and abroad,from strategy to product innovation,service strategy,brand strategy and the difficulty of learning personal financial services at different levels,the personal financial services of Fushun bank are studied,and the successful experience and strategic practical significance in the financial service system of the national and international environment are analyzed by analyzing the financial services of the national and international environment.The strategies and suggestions for the development of personal financial services in the Bank of Fushun are given.We hope to have a certain reference value in the development of the personal financial services of the Chinese commercial banks.The methods used in this study include literature analysis,qualitative research methods,research methods,and so on.Through theoretical analysis,the situation of commercial banks in the practice of personal financial services is analyzed.To study and discuss the personal financial management of Fushun Bank in terms of its status and remaining defects,and point out the existing problems.At the same time,considering the development of China's financial market and analyzing the personal financial management of Fushun Bank,we will propose scientific and reasonable plans and strategies for prevention and control of risks,management and maintenance of customers,wealth management services,and marketing promotion.Fully promote the expansion of personal wealth management services of Fushun Bank.This article also clarifies the Fushun Bank's corporate branding,organizational structure,and regulatory systems in a manner consistent with its actual situation,so as to ensure Fushun Bank's market competitiveness and guarantee the smooth development of Fushun Bank's personal wealth management business.