Study On Family Financial Management Mode Of Bank Of China Branch In GanSu Province

Since the reform and opening up.along with social progress and economic development,residents continue to accumulate personal wealth,Peolple’attitude,ideas and approach to personal wealth have taken great changes than that in the past,personal finance is gradually becoming the focus of people’s concern.For commercial banks,developing personal financial services not only is the objective requirements of social environment changes and economic restructuring,but also is the inevitable choice for the banks to adapt changes in the financial markets and individual business development trends.Compared with abroad, the financial operations of China are still in its initial stage.The focus of the market position is uncertainty; The completeness of the financial products is still room for improving;The importance of the brand is not enough. On this basis,combining with the actual situation of bank of china branch in Gansu province,this paper has summarizde on the issues of finance business of China’s commercial banks.Include:separated operation of financial system;lack of financial management concepts;lack of product innovation managementl;lack of organization,technology,human resources support.In view of the universal existence problem in the industry, this paper intends to make a research on family financial management mode of commercial banks. Put forward to want to truly become bigger and stronger financial business, commercial banks must actively explore business development strategy. For example:provide independent professional consulting service,using efficient consulting process and high-quality advices to improve service quality and competitiveness; with the help of synergy, Chinese commercial banks can use customer shift and cross-selling to promote the development,and so on.To increase strength of product research and development, expand the range of products, concentrate resources to enhance customer satisfaction at the same time, more committed to the cultivation of core competence. To the weakness and recognize their own gap, draw on advanced international experience, and constantly improve the organization, business process optimization;enhance the concept of financial management and establish the service concept of custoner-centric; innovate financial products and improve service quality; adjust marketing to establish market-oriented marketing strategy;strengthen the financial management staff training;increase the technical inputs and improve technology systems,and so on. Efforts to build a new commercial banks family financial management mode.