The Counter Measure To Improve The Personal Finance Planning Of Industrial And Commercial Bank Of China Liaoning Branch Business Department

Along with the development of economic globalization in finance industry, the deepening of the financial reform process, the extensive application of information technology. traditional commercial banking business model has been hard to adapt to the intense market competition, China's banking industry is facing a period of important strategic transition. To seek and expand profit opportunities for the commercial banks to intermediate business generated an unprecedented enthusiasm, booming financial markets is the best example of one. China's commercial banks raise development finance business is the management level and the international competitiveness of an inevitable trend is the bank's strategic focus on business development and the main source of profits for the banks. Personal Financial Services Innovation has greatly enhanced the competitiveness of commercial banks, the quality of personal financial business. Direct impact on the operating results of commercial banks and survive.However, due to financial management system and financial market development restrictions, the environmental impact of the domestic market. The comprehensive quality of financial constraints, personal financial business development has lagged behind. In this background, it's most importance to do the research about the personal finance planning businesses both at home and abroad. This article compare with the individual financing business in domestic and overseas commercial bank. And find out the advantage of personal financing product in the developed country is more competitive. Point out the several problem of Chinese finance industry. The paper will illustrate the common problems faced by commercial banks. By learning from the experience and avoiding the similar mistakes, In view of the marketing department of the Liaoning branch of the Industrial and Commercial Bank of the problems that exist, propose a plan for improving the management of personal financial business strategy and program implementation.In the first part, a general introduction is given to the paper, which covers research significance, research methods. The second part , the paper will draw a conclusion on the factors that contribute to its rapid development.The third part of this paper talks about the current situation and problems in personal financial planning faced by Shengyang Branch of the ICBC. The forth part , The author summarizes there exist so many problem in provincial marketing department, meanwhile it also face four kinds challenges.The fifth partIs the key part,In order to achieve that aim, the paper proposes measures and advice from five aspects. The paper argues, by learning the lessons from the developed countries and regions and aiming at the major management problems and existing challenges confronted by the Shenyang Branch of the Industry and Business Bank, we should set up a customer-oriented business model, push for building a brand centering on the innovation, implement the marketing strategy guided by demands, develop a business team based on the talent, and establish an assessment and evaluation mechanism focusing on profit.The sixth part, pointed out must from organize aspect and so on leader, projectpromotion, risk guard to strengthen personally manages finances theservice countermeasure implementation.This article prominent apply theory to reality, personally managesfinances to the industry and commerce bank Liaoning Province branchbusiness department the service to have the certain instructionsignificance, simultaneously personally manages finances to othercommercial banks the service also to have the certain model function.