The Research Of Strengthening Our Country Commercial Banks' Individual Financial Business Marketing Management

With the further innovation of financial market and the integration of global economy, the drastic competitions amongst Chinese commercial banks as well as between domestic commercial banks and foreign banks are strengthened day by day. It is significant for the continuous development of Chinese economy that finance business, as one of the prominent economic drivers, holds the strong competitive power. And the development of individual finance business is one of the main aspects for keeping commercial banks continuous development. We have to admit that there is a wide gap between Chinese and foreign commercial banks in many aspects, and many fields remain to be searched. This essay is focused on the individual finance business management in commercial banks. First of all, based on researching the development status of domestic commercial banks, it is concluded that the individual finance is the direction in which Chinese commercial banks develop in future, and has a good prospect. But it remains to be improved in aspect of the present development speed and operation structure of the individual finance business in domestic commercial banks. Secondly, by studying the status and development course of foreign commercial banks, it is found the individual finance business is the most important profit source in foreign commercial banks. Generally, foreign commercial banks make full use of modern network and communication technology, via the scientific and technological methods, make the continuous innovation in the products, cannel, customer management and other fields on the base of market subdivision, and thus greatly improve the value of customer service. Chinese commercial banks should use the advanced experience achieved from developed countries and regions for reference, and then realize spanned advancement of the individual finance business in domestic commercial banks. Finally, benefit from the individual finance business development in foreign commercial banks, it brings forward a comparatively integrated imagination from the aspect of business management for the individual finance business development in Chinese commercial banks.