中国建设银行佳木斯分行个人理财业务发展策略分析-analysis on the development strategy of personal financing business of jiamusi branch of china construction bank.docx

哈尔滨工业大学工商管理硕士学位论文 哈尔滨工业大学工商管理硕士学位论文 - - II - Abstract With the growing wealth of the residents of Jiamusi, personal financial services to the growing demand for higher and higher, personal financial management business in Jiamusi City, a lot of room to grow. The general public, the property of the value-added approach is very limited, and a general lack of knowledge related to personal financial management. And whether domestic or foreign financial markets, the prevailing volatile situation, the urgent need of a professional financial institutions, professional staff to provide guidance. Jiamusi current major commercial banks are still operating income from deposit, loan interest mainly poor, but this single model of the space increasingly shrinking profits. Jiamusi taking into account the size of the market, it is difficult to have greater room for expansion, the intermediate business of c ommercial banks gradually from all the attention, and non-interest income also have a great business Development. And Personal Financial Services are still in the stage has just started, but personal finance very large potential market, Jiamusi commercial banks between Personal Financial Services there will be a fierce competition, from securities companies, insurance companies and other financial institutions in competition Pressure will become increasingly apparent. In this paper, the Jiamusi branch of the Construction Bank of Personal Financial Services carried out an analysis of the status quo, point out that the advange disadvange and chance streat through the way of SWOT analysis, on the basis of this reveals the Construction Bank of Personal Financi al Services Branch of Jiamusi the problems and then in market positioning, and establish management systems, marketing and sales ， business innovation, personnel training, brand promotion, and other aspects of the proposal accordingly, with a view to Jiamusi branch of the bank increased the competitive