Research On The Countermeasures Of Personal Financial Business Operation Of Bank Of China Yangzhou Branch In The Internet Financial Environment

The current personal financial business is fiercely competitive,and the growth rate of RMB savings deposits is faster than that of corporate deposits,indicating a strong momentum in personal financial business.This paper selects the Bank of China Yangzhou Branch as the research object,and studies how to change the business philosophy and business model in the context of the development of network finance,and take the opportunity of reform and innovation to accelerate the development of personal financial business and other issues that need to be solved urgently.This paper combines the specific case of Bank of China Yangzhou Branch,summarizes the status quo of its personal financial business,analyzes the user habits of Bank of China Yangzhou Branch,the positioning,selection and implementation of the bank's personal financial business strategy through questionnaires,and analyzes the network.The impact of finance on personal financial services.Based on this exploration,this paper puts forward the main countermeasures and strategies of the personal finance business of Bank of China Yangzhou Branch,provides reference for its future business development direction,and provides reference for the development of personal financial business of other commercial banks.The specific research contents of this paper are as follows:(1)Completing the review of the development status of Internet finance industry at home and abroad,summarizing the development history of China's Internet finance industry,from the integration stage of Internet and finance,the technical field to the stage of financial business,The three stages of development of the rapid development of Internet finance are described.(2)Combining the case of Bank of China Yangzhou Branch,through the questionnaire survey,analyze the impact of online finance on the personal financial business of the bank,and analyze the relevant aspects from the aspects of personal financial business consumer choice,market and product,development strategy and risk management.The impact and systematic demonstration.(3)In response to the impact of online finance on the development of personal banking business of Bank of China Yangzhou Branch,the paper puts forward the strategy of personal financial business of Bank of China Yangzhou Branch.This paper mainly hopes to provide guidance and reference for the development of personal financial business in the banking industry through the study of specific cases.