Research On The Management Strategy Of Bank Personal Finance Business

With the deepening of financial reform in our country, the increasingly fierce competition between commercial Banks, especially the rapid development of electronic commerce promotes the rapid rise and development of the third-party payment platform, which also intensified the competition between domestic commercial Banks. At the same time, the development of financial intermediaries and the maturity of the capital market, provide enterprises with more broad the financing channels, further impact the savings and loan business of commercial bank, also compresses the commercial bank profit growth space. How to do this, for our country commercial bank, in the increasingly fierce market competition to obtain and maintain competitive advantage, is an urgent need to face and solve the problem. From the standpoint of business innovation, commercial Banks must adhere to change the management idea, have the courage to explore, positive change retail business functions, to vigorously develop intermediary business, add a new growth point to maintain rapid growth. H bank is the rise in China’s northeast region in recent years, an emerging joint-stock commercial Banks, after years of development, by deepening the reform, development and innovation, to guard against and dissolve the risk, improve the quality of assets, to build the core competitiveness, took to the sustained, healthy and rapid development track, has an important role in today’s financial markets have. For personal finance business, however, there is still a financial product quality is not high, high sales threshold, promotion is not in place as well as the management goal is single. In view of this, this article takes the personal financial business of commercial Banks as the research object, the H bank as case analysis, on the basis of deeply analyze the existing problems, puts forward the management strategy of individual wealth management products, and formulate the relevant guarantee measures, to other domestic commercial Banks to carry out the personal finance business has a positive significance and reference value.