The Analysis On Personal Banking Business Development Strategy Of China Construction Bank Guangdong Branch

The personal banking operation means the commercial banks offer these services to individual clients that was constituted by deposit, providing a loan, payment and balance. Mainly include personal liabilities business, personal loan business, personal pay to settle accounts the business and act for the business, the electronics bank business with personal investment and finance business etc.. The personal banking operation is one of the main operations of the commercial banks. It has an important function in impelling the development of social economy and making the economy benefits of the commercial banks maximum; It inducts citizens investing and financing; It promotes the country to reach the requirements of the positive financial policies; It is a magnitude means to increase the abilities of competition for banks; It is an approach for banks to improve the level of payoff and it is also one of the important part in social activities which is incapable lost.China Construction Bank Guangdong Branch has being one of the state-owned commercial bank in coast open cities in our country, after experiencing a series of organization reforms and the reform of managing methods, Various business has obtained the substantial development and the personal bank business also has acquired a good accomplishment, however, most of the personal bank business operation index fall behind.Due to the releasing of financial regulation, financial globalization and liberalization, rapid increasing of personal incoming and wealth, personal banking services is now becoming the main source of bank profit in the developed countries (region). After China's entry into WTO, the personal banking business market will be the aim of foreign capital banks chase for the huge potential. How to shorten the gap between national bank and international bank and take up the leading status in fury market competition is the important problem China Construction Bank Guangdong Branch which must research...This thesis is composed of six parts: The first part is an introduction, which elaborated the topic background and the significance, the research situation and so on. The second part introduced the relevant management theory , which are the competition strategy theory, the marketing theory, the innovation theory and so on. The third part analyzed the business performance of personal banking business in China Construction Bank Guangdong Branch. By using the method of PEST , Five-Force Model, SWOT, The fourth part analyzed the chance and menace of exterior environment, the merit and shortcoming of interior environment of personal banking business in the Construction Bank Guangdong Branch. The fifth part is the development strategy of personal banking business in the Construction Bank Guangdong Branch, which are the macroscopic strategy and the concrete development countermeasure. The sixth part is a conclusion.