Study On The Development Of Personal Financial Service Of Postal Savings Bank Of China

With the rapid development of our national economy, Domestic residents disposable income increasing, At the same time, inflation has gradually become one of the indispensable topic,High inflation caused by the negative interest rates make the bank the original savings, exchange and other products have been unable to meet the needs of customers, On personal wealth management has become the urgent needs of customers. At present, the postal savings bank personal financing business is in the initial stage, but the market prospects are very broad, the banking industry will usher in a hitherto unknown in big development. Based on the commercial bank personal financing business of relevant theory, the personal financial services of the connotation of the new definition, and the postal savings bank individual financing business development current situation undertook an analysis, pointed out that the necessity of the postal savings bank developing personal financing business, further research on the domestic commercial bank personal financing business and product development status, through the contrastive study, combined with the special background of postal savings bank, put forward China postal savings bank at this stage of development strategies of personal financial services. This paper consists of five parts:The first part is the introduction, describes the background and significance, points out the paper's research methods,innovation,difficulties and deficiencies. The second part is the theory basis, Through a variety of theories and related studies were reviewed and on the basis of evaluated, discussed the meaning of the commercial bank personal financing business. The third part is the domestic commercial bank individual financing business development status, through the thorough social investigation, analysis of the domestic commercial banks personal financial products and service development. The fourth part is the postal savings bank personal financial business development status and characteristic analysis, based on the development of personal financing business of Postal Savings Bank of the necessity, development background, development strategy three aspects of content analysis, point out that China postal savings bank personal financial business development status; from the postal savings bank's personal financial business development background, market positioning, development strategy in three aspects, analyzed the China postal savings bank personal financial business development status; in the current relatively narrow investment channel, bank savings deposit rate lower case, for the stability of the old customers, the development of new customers, provide more quality services, postal savings bank is very important to develop financial management business; at the same time in order to avoid the impact of the market, to better service" 3 farming", improve rural financial services, postal savings bank also need financial. Through the postal savings bank of special market position, pointed out that the postal savings bank for small and medium-sized customers the advantages of financial; and use case analysis, Compared with other commercial banks in financial products, hink that the postal savings bank in close connection with their own characteristics, in-depth study of customer needs, find the target market, the personal financial management business in" savings enrichment series" drive below, obtained certain success, but there are also some problems need to be solved further. The fifth part is the conclusion of the study and policy recommendations, based on the postal savings bank individual financing business development problem research, Put forward to promote the postal savings bank personal financial business development strategy.