The Research On The Strategy And Problems Of Personal Financial Services In Dongtang Branch Of China Construction Bank

Along with our country resident wealth unceasing growth, the financing market demand highlights day by day. The Commercial banks provides various personal financial service one after another. At present, personal financial service has become a new luminescent spot. All kinds of trust product start to enter people’s eyes. By this time, how to select trust product to realize inflation-proofing and appreciation of the wealth which has became everybody’s care topic. So this has also provided the broad space for the development of Commercial bank financial service. Personal financial service becomes one of core businesses which to expand the markets share and increase profit. This article takes this as research background, and takes the Dongtang Sub-Branch as the example.With the domestic financial environment and itself flaws, there are many problems such as the development process of personal financial service. In this paper, take the Dongtang Sub-Branch as the example, collecting its correlation theories, such as Life-cycle Theory, Risk Management Theory and Marketing Theory with its actual situation, take profound analysis on its present and problems. At last, giving related suggestion, for example improve the quality of financial management personnel and strengthen risk control and develop financial markets and so on.In order to achieve theoretical guidance and examples of analysis results, personal financial management related theories are reviewed in the paper, and foreign commercial banks’personal financial business situation to be studied and summarized. On the Dongtang Sub-Branch personal financial service, collecting a lot of information and data analysis and summarized by an example, to identify problems and propose solutions.This paper takes the Dongtang Sub-Branch’s personal financial service as object of study because the author have worked in Dongtang Sub-Branch,so the author is familiar with personal financial service. The personal financial service is an important part of the retail business. The profit of personal financial service is relatively high in the mass of profit. Research and analysis at the theoretical level to the personal financial service, has great practical significance to Dongtang Sub-Branch’s personal financial service development.