中行哈尔滨市南岗支行个人理财业务发展策略分析-analysis on the development strategy of personal financial services in harbin nangang sub - branch of boc.docxVIP

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 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 - - PAGE IV - - - III - Abstract As a emerging banking business, the personal finance service has the characteristics of low risk, low cost and high profitability. It may not only promote the integral development of the banking retail marketing serv ice, but also bring a mass of Renminbi and foreign currency deposits and capital precipitation to the banking industry and push forward the development of the related services such as liabilities and foreign exchange etc. The personal finance service faces a broad space for development and the rapid development of personal finance service has become an inexorable trend of the merchant banking business. With the unceasing development of the business and the increasingly fierce horizontal competition, the development of the commercial banks personal finance service is at the crucial time of transition to the differentiation and refinement. Harbin Nangang sub-branch of Bank of China is faced with significant opportunities and severe challenges in its developme nt of the personal finance service. The development of its personal finance service is slow and many important issues to restrict the development are revealed. Therefore, its necessary for Harbin Nangang sub-branch of Bank of China to deeply explore the reasons for these issues and look for effective strategies for the development of its personal finance service. The paper firstly summarizes the situation of study on foreign and domestic personal finance service and points out the significance of developin g the personal finance service for the commercial banks as well as the features and malpractices of the current theoretical studies. On that basis, the paper analyzes the whole business circumstances and the status of development in the personal finance service of Harbin Nangang sub-branch of Bank of China, and it puts forward 11 key issues that restrict the devel