Personal Financial Business Development Countermeasure Research For Bank Of China,Gansu Branch

In recent years, with China’s social and economic development, national wealth has a substantial increase in the income of residents, the personal wealth also increases. In inflation expectations, and based on the value of the assets, the value of people need, the sharp rise in demand for conduct financial transactions. Commercial banks operating pressure and external transformation in internal promotion, have introduced various types of bank financial products to expand the intermediate business market, enhance the high-end customer market share. On this research background, the status of personal financial business development bank of China branch in Gansu Province as the main research and analysis.In recent years, the Bank of China Gansu branch has made considerable progress in the personal financial business, but the lack of clear market positioning and strict customer segmentation, financial product design is still not to customer demand as the starting point and the financial service personnel comprehensive quality problems. This paper analyses in the current economic environment in the development of the status of Bank of China Gansu branch, and Gansu branch of the bank financing business development situation made a thorough analysis of the personal financial business, and summarized the relevant documents and materials, collecting first-hand data, by combining theoretical analysis and empirical research method to find out the root cause and the problems of the personal financial management business of Gansu branch, the personal financial demand as the starting point is an important prerequisite for banks to change business idea, can strengthen the customer classification management, product management and human resource management measures to control financial risk, and as a solution basis.