The Designing And Marketing Strategy Of Financial Product Caifubao Of The A Bank

With the rapid development of the financial market, the commercial banks arescrambling to launch a wide range of financial products. However, the existing financialproducts are seriously homogeneous, they are obviously imitative. Commercial banksuniversally neglect the middle-class and low-class customers, while target at the superiorcustomers, especially the high-class customers. Bank A as A City’s own bank, now iscommitted to exploit new banking products, especially the personal financial products.The urgent problem of A bank is to devise a new personal financial product which has abroad market prospect.This paper firstly summarizes the personal financial products of domesticcommercial banks. Including a detailed analysis of existing financing business of Bank A.Summarizing its characteristics and identify the existing problems and their causes.Based on this,"Cai Fu Bao" personal financial products of A bank has been introduced,including the definition of the concept of the product, the design principles of personalfinancial products, the product design, the designing of operational process. variousaspects analysis and further promotion of the "wealth the Fubao" personal financialproducts. In further, this paper analysis various aspects of the promotion of "Cai Fu Bao".Including Establishing and improving the customer information system of personalfinancial product, improving the personal financial product distribution channels,maintaining the traditional sales channels, active in the ways of online marketing,increasing network propaganda and so on.