Integrated Marketing Strategy Research About Personal Financial Services In Bank Of C

Reform and opening up 30 years, China has sustained, rapid economic development, residents wealth accumulation, the new rich class rapid emergence. Investment banking is becoming China people discussed hot topic street lane. While individual financing business also become commercial Banks scrambling to compete for new profit growth point. Currently, Banks are also bend over backwards for individual financing business market. Specifically, the personal financial management business is to point to a bank using financial knowledge, professional technology and a wide range of information resources advantage, according to the customer the financial conditions and specific demand, designate personnel to provide one-stop professional, comprehensive, tailor-made personalized financial services. Not only provides general information consultation, preferential value-added services, also use various bank products, services and financial tools, such as saving, consumption credit, cards, personal checks, safekeeping, insurance, securities, foreign exchange, fund, bonds, etc, this paper puts forward the right combination of financial plan and guide the customer reasonable arrangement of family income and expenditure, the personal assets in order to realize the optimal configuration, individual ideal and goal. Through the development of the personal financial management business, can effectively improve the commercial bank middle business income, change, can promote profit structure of commercial bank profitability, resist risk ability to promote completely.This article through studies C bank individual financing business development present situation, and combining foreign commercial bank individual financing business development situation and development characteristics, with foreign commercial bank C bank of the personal financial management business, research and comparison for business development gap in the process, analyze the causes, and find C bank individual financing business conduct process of problems. From product strategy, price strategy, channel strategy, promotion strategy proposed C bank four aspects of the personal financial management business development, and the countermeasures for C Banks to increase individual financing business level, the realization faster development to provide the reference.In this paper the business development countermeasures study of other domestic commercial bank's development and the investors to finance business of understanding has certain inspiration and reference.