Research On The Marketing Strategy Of H Bank's Personal Financial Business

In recent years,China’s economy has developed rapidly,people’s living standard has been improved,and personal income has continued to grow.Statistics show that China’s household savings totaled 6.8 billion yuan in 2018.With the increase of disposable income,the demand level of personal finance and financial management has been increasingly enhanced,which has created a broad development space for the personal business of commercial Banks.Personal business is playing an increasingly important role in the development of commercial Banks.As the profit contribution continues to increase,commercial Banks have increased their support,making the personal financial business market increasingly competitive.In order to accelerate the development pace,H bank has made a series of work adjustments for the marketing of personal finance business in recent years.The continuous improvement of marketing methods and methods makes H bank’s marketing performance make a great progress compared with previous years,but it still lags behind the advanced commercial Banks in the region.The marketing strategy of H bank’s personal finance business needs to be further optimized and improved.Based on the theories related to marketing,based on the development status of H bank’s personal finance business,combined with the marketing environment in which the bank is located,this paper analyzes the deficiencies of the existing marketing strategies of H bank and proposes Suggestions on the optimization of marketing strategies.It provides new ideas for the further marketing and development of H bank’s personal finance business,promotes it to increase the profit contribution ratio of personal finance business more effectively,and better responds to market competition.