| Personal finance business, or wealth management business that belongs to the middle business in commercial bank, is one of the important sources of the profits of commercial banks in developed countries. Due to openness of financial industry and inflow of investment from foreign banks in recent years, personal finance business not only has become the pie that the local commercial institutions compete with each other to occupy in order to share more customer, but also has become the hot issue on competition ability of local commercial banks.Construction bank focuses on the growth of new profits from personal finance businesses in recent years. Along with the improvement of personal finance businesses in the headquarter of Construction Bank, the Jilin branch also takes it as the focused item and enlarges the sale strength. Here because of the immature exterior environment around which local finance market exists, banks'imperfect internal mechanism and limitations on realization of personal finance business and on the consciousness of marketing strategies, the thesis focuses on"personal finance businesses in Jilin branch of China Construction Bank"considering the its necessity of development. The purpose of the research is to find out some way and strategies of its development and to give some advice to the related chargers. This paper mainly includes four parts as follows:Part One gives a general introduction of personal finance businesses. Firstly, it offers the term and kinds of personal finance businesses. Secondly, it introduces the external factor influenced the development of personal finance businesses, including the growth of wealth, the form of wealthy stratum and the more channels of investment. In the meantime, it shows some internal factors, such as competing among commercial banks in order to attract more creditable customers, searching for new chances of increasing profits, and mixing businesses. Finally, it has a review of domestic and international scholars'comments on the present situation of personal finance businesses.Part Two gives an introduction of the personal finance businesses in domestic and foreign commercial banks. Firstly, The foreign banks'related experiences and trend has been discussed. Then the features of the domestic personal finance businesses are shown as follow: rising from the middle business, maturating from the mixing businesses and improving with the development of technology. And personal finance businesses abroad have the following trend: the change of customers'construction, the closer relation between personal finance businesses and the traditional ones, more challenge in the information era and the banks'attention to the potential customers. Secondly, the problems of personal finance business are listed based on the comparison with the ones abroad, including conceptualization of businesses development without adaptation, similarities among businesses without creation, less support from technology resulted in non-competitiveness, casual constitution short of scientific support and low competent finance staff. Finally, some suggestions are explained. The banks should be responsible for leading customers to finance with the help of wide introduction of knowledge about it, should set up synthetic service system to personal finance, should develop technology and human resources in order to offer enough support, should design the potential market and differentiate services and should improve the mechanism to control risks.Part Three is the problems of and their reasons on Jilin Branch of China Construction Bank. In detail, it briefly describes the present situation of business management, marketing, creditable customers. Then the problems are as follow. Its finance products are short of creation and cannot satisfy the customers in different area. Its marketing is still weak and should be improved. Its finance products have loose control of risks, and the services are not specialized enough. Thirdly, the reasons have been founded. It is short of professional staff to design the finance products. The present managers have weak consciousness of services and market research resulted in imbalance between risks control and businesses development.Part Four gives the strategies for the development of personal finance businesses in Jilin Branch. It should attract more creative managers and improve the staff construction. It should improve the procedures of dealing and construct the perfect system of customer services. It should set up the system of CRM in order to offer differentiated products and services. And it should improve the design and creation of the products and strengthen the risk management.The paper, based on the theories of innovation management, financial, economics, finance etc., aims at finding out existent shortages and the problem of personal finance businesses in Jilin branch of China Construction Bank, analyzing the influenced factors by adopting evidence and contrast, and putting forward improvement methods that could be theoretical and practical suitable to help Jilin Branch improve the personal finance businesses and satisfy different customers'need and realized its continuous development. The paper has a spark of combining the financial theories and personal finance business and forming the systematic methods to solve the problems existed in the personal finance businesses in Jilin Branch of China Construction Bank。... |
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