The Study On Personal Financial Business Countermeasure Of D Bank E Branch

With the sustained and steady development of China's economy,residents' income level has been continuously improved and capita disposable income has been continuously raised.In recent years,the interest rate on deposits has gradually declined,the pressure on economic inflation has been increasing,the demand for financial investment in residents has been stimulated,and it has been affected by the stock market,which has made residents' demand for value-added assets safer,and low-risk value-added wealth management products have been marketed.From the view of bank,in recent years,due to the continuous impact of Internet finance,coupled with the sluggish economy,the rate of non-performing assets has gradually increased.The marketization of interest rates has made the banking industry increasingly fierce,and the gap between deposits and loans has narrowed,making banks profitable.The ability is not as good as before.While the demand for wealth management market continues to increase,the profit income of bank wealth management business has been greatly improved in recent years.The development of personal wealth management business has become the mainstream trend of banks,the issuance of new rules on asset management also defines the future development direction of wealth management business in the banking industry.through in-depth analysis and research and adopt effective strategies to develop personal wealth management business,thereby accelerating the transformation and upgrading of banks,which has become the focus of banking.In this paper,D bank E branch is taken as the research object,and the development strategy of D bank E in the future personal finance services is studied by combining the problems of its own financial services development.On the basis of reviewing domestic and foreign literatures and relevant theories,this paper uses SWOT analysis method to analysis and combine with the actual situation of D bank E branch,and proposes solutions to the existing problems in the development of financial services of D bank E branch.The first part of the paper introduces the research background,and research significance research content and research methods as well as literature review at home and abroad.The second part gives an overview of financial services,and sorts out the relevant theories.The third part analysis of the personal finance business of D bank E branch in terms of the holding amount,customer age structure,customer attraction and other aspects,and puts forward the existing problems in the personal finance business of D bank E branch.The fourth part.The fourth part analysis of evironment the personal finance business of D bank E branch,and uses SWOT analysis to summarize the advantages,disadvantages,opportunities and threats of personal finance services of D bank E branch.The fifth part analysis the problems in the personal finance services of D bank E branch and puts forward countermeasures,including the network operation of personal finance products,product diversification,customer relationship management and other aspects of countermeasures and puts forward the safeguard measures for the implementation of financial services.Finally,the implementation effect of the countermeasures is predicted.It is hoped that this paper can provide a reference for the development of personal finance business of D bank E branch.