Commercial Bank Personal Financial Services Optimization Model

In this paper, the commercial banks for our personal financial services, upon investigation, the idea will be applied to refine the division of commercial banks in personal financial services, with the objective of the survey results indicate that commercial banks personal financial need for business process optimization, combined with division of labor refinement and build a business process reengineering theory of personal financing business model.Personal Financial Services Commercial Banking optimization model is to explore a client module, product research module, marketing customer module, service module and the integrated theory modules. Client module for commercial banks to explore personal financial business processes, the first module, its function is to find target customers, identify customer needs, then provide valuable information to the product of modules, marketing customer module, service module. Engaged in financial business process product research module related work in the bank employees responsible for the study of various investment channels, and then select from a variety of investment channels to meet customer demand and the investment value of financial products. Marketing customer module emphasizes the importance of marketing, its function is the product of the module selected from the financial products suitable for marketing to customers. Service module will service commercial bank Personal Financial Services as an important part of the process to be highlighted, making the after-sales service in the personal finance business to receive more attention. Comprehensive theory module throughout the business of commercial banks in the whole process of personal financial management, is engaged in the work described in each module needs to have the basic theory.Process reengineering is critical in order to measure performance indicators made a significant improvement, a fundamental rethink, reinvent business processes, including key metrics, including product and service quality, customer satisfaction, cost, employee productivity and so on. In this paper the original personal financial business process optimization, change one lump sum all of the work of the mode of financing business, build commercial banking business optimization model of personal financial management is to improve product and service quality, increase customer satisfaction, reduce costs, improve employee productivity.