中国银行齐齐哈尔分行个人理财业务发展对策分析-analysis on the development countermeasures of personal financing business of bank of china qiqihar branch.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 It has been a trend that the allocations of individual and family assets are diversified accompanied by the demands for wealth management increased and personal finance businesses deliberated on with the rapid economic development and continuous improvement of peoples’ living standards since China reformed and opened up. Commercial banks have accelerated management transformation due to social economic restructuring in recent years. It has been an indispensible alternative for commercial banks to expand their businesses and improve profitability through developing retail businesses greatly. Consequently, the strategy of personal financial services at commercial banks has become increasingly prominent with previous background discussed. This study’s main purpose lies in that how banks at basic levels can focus on the specific facts of local areas responding to the general economy and finance and meanwhile can expand their management spaces through developing largely the Personal Financial Services. In this paper, the author analyzes the current situation and problems of personal financial businesses at Qiqihar Branch of Bank of China and furthermore proposes the solution on the basis of the truth of p ersonal financial services at Qiqihar Branch as well as the references to the advanced theories concerned at home and abroad and mature business experiences in addition. First of all, definite the strategic position of Personal Financial Services, hence develop appropriate strategies and goals. Secondly, develop a working pattern that is favorable to businesses through perfecting organizational structures, integrating business processes and expanding sales. Meanwhile, adopt a diversified marketing strategy therein the important role of marketing is played by way of accurate business idea and subdivision of the target