The Research On Business Expanding Of Personal Afficial Operation In Bank Of China. Hunan Branch

After entering WTO, with their advantages in fund, human resource, products, technology, management, more foreign banks have come to China and the personal financial services possibly becomes the most competitive and challenging field. The State-owned commercial banks are confronting the competition from the foreign banks and domestic joint-stock banks in the development of personal financial services.Aimed at the current development status of the personal financial operation in Hunan branch of Bank of China, this thesis analyses the primary problems and shortages existing now. Then, the thesis analyzes the possibility to carry out the personal financial operation in Hunan branch of Bank of China and puts forward some suggestion to the development of personal financial operation combining the actuality and feature products in this field of the foreign banks.The conclusions of this thesis are two countermeasures to develop the personal financial operation in Hunan Branch of Bank of China: one type of suggestion is aimed at the restriction on financial industry and the lack of individual credit system. While the other type of countermeasures is aimed at the internal reasons. For instance, the adoption of market segment and innovation, the reinforcement of branding strategy and individual financing marketing service, the establishment of perfect system of client manager and personal financial center, the emphasis putting on individual consumption loan and technical methods such as Telephone Banking System, Self-service Banking, network Bank and Banking Card.