The Study On Development Of Personal Financing Service For PingAn Bank

Since the1970s, the rise of financial services from the United States has been a rapid development. Banks in developed countries from the development trend in financial services, financial services with large-volume, low risk, a wide range of business, operating income and stability advantages, the commercial banking business development occupies an important position.Ping An Bank as wealth management business of new entrants, although the rapid development of financial business, but compared with the first commercial banks is still a wide gap. How to play Ping An Group’s consolidated financial advantage, reducing the gap with other commercial banks, to accelerate the development of financial services is imperative way. In this paper, the basic theory of banking financial services are classified brief description, financial analysis of the different theories of Ping An Bank to carry out the relevant financial services guide, and Chinese and foreign commercial banks, financial services were introduced by the bank’s wealth management business and peace comparison, the development of their business experience in drawing, and then combined with the Ipsos flat Dahua fund consulting firm in China in2011middle-income family financial status questionnaire results of the Chinese family financial status of data analysis, examining the current financial Ping An Bank The main objective of business customers-middle-income class in China’s basic situation, the demand preferences, risk preferences, investment financial reasons, and family financial needs, and on this basis, given the characteristics of Ping An Bank with corresponding recommendations.Survey results show that Ping An Bank to speed up network coverage of the building, improve product marketing personnel, quality control of financial products, risk, improve financial management product quality, strengthening of financial products and services innovation through group collaboration to improve the competitiveness of products. Financial services and products while strengthening brand building, banking and financial products to improve the degree of publicity, and enhance customer relationship management, explore new growth points and other measures, Ping An Bank to expand the competitiveness of financial services for the development of Ping An Bank should make some contribution.