Study On Personal Finance Services For Changsha Branch,industrial Bank Co.,Ltd

In recent years,with the acceleration of interest rate liberalization and the reduction of interest margins,Banks are eager to find new profit growth points,and personal finance services in intermediate businesses are attracting more and more attention.Industrial bank,one of the first joint-stock commercial Banks,has been constantly researching and exploring in the innovation and development of personal finance services.In addition,with the development of online finance represented by yu 'ebao,multi-type and three-party company products flooding in and financial supervision continuously strengthening,how to cope w ith the current financial market environment and explore appropriate business development strategies based on the bank's own business development characteristics are the key issues for the development of personal finance business of industrial bank.This article selects the bank changsha branch as the research object,combing of research results at home and abroad,and combined with marketing management and on the basis of personal finance knowledge,through the analysis of the societe generale bank changsha branch individual financing business development present situation,and on the external macro environment,micro environment and internal resources ability for detailed research and analysis.Make clear the target market and market positioning of personal finance business of industrial bank changsha branch,put forward specific expansion strategies from the positioning strategy,marketing strategy and risk management strategy of personal finance business,and give specific implementation steps and safeguard measures.In this paper,the actual work of closely linked bank in choosing target market,a clear market positioning,customer oriented around customers,costs,convenience and communication,and puts forward the strategic risk management five aspects a nd has strong operational individual financing business development strategy,is not only beneficial to the societe generale bank changsha branch personal financial business to improve the core competitiveness,and for other commercial Banks can provide a certain amount of practical work.