Research On Personal Finance Administrative System Of China Construction Bank Heilongjiang Branch

Recent years, along with the continued and steady progression of economy, the personal finance service of the bank has faced with the fast developing time. To the Commercial Bank, the person who can get the superiority in this market will occupy the vantage point in later competition. Embarking from the present situation of the personal finance service which China Construction Bank Heilongjiang Branch develops, the reasons to the questions exist in its administrative system has been analyzed: The structure is chaotic, isn't systematic; The managing system of the research and development is not perfect, the ability of the administrative finances product innovation is insufficient; The service marketing system is not perfect, the consciousness of service is inaccurate; The managing system of the training and inspection is not perfect, the specialized persons for administrative finances are lacked; The system of the risk control is not perfect, the risk gradient is incomplete and so on.Utilizing the principle of the systematic engineering ' the Hall three-dimensional structure' , the three dimensions that the information dimension, the process dimension and the security dimension have shown the three-dimensional conceptual model of China Construction Bank Heilongjiang Branch personal finance system. The gradual goal of this administrative system is shown: To form the personal finance marketing and the services structure initially; to develop the market share unceasingly, to perfect services structure gradually, to make the brand image prominent; to realize the simultaneous growing of the customers' value and the maximization of the bank value. According to the principle of the income lucre proceeds win, the security and the opening, the system has constructed the administrative system of China Construction Bank Heilongjiang Branch personal finance , and elaborated six parts of this administrative system, they are the organizational structure design, the product research and development, the risk control, the service marketing, the training inspection and the conformity technology.Finally, unifies the market and economy environment of personal finances service which China Construction Bank Heilongjiang Branch develop, we propose the implementing countermeasure and the suggestion for the administrative system of China Construction Bank Heilongjiang Branch personal finances, It's thought that the construction of the personal finances troop should be strengthen, a specialized administrative finances service team should be set up; to construct and optimize the personal finances operation process; to improve the quality of service, to carry out the service consciousness; to enhance the personal finances product and service variation marketing ability; to strengthen the risk control of the personal finances service .