Research On Commercial Bank Personal Financial Business Marketing Strategy

Along with China’s WTO entry, the marketing economic system and the reform of the financial system has come to further accelerate, and with the personal financial market further opening up, the competition of commercial bank personal financial business market is more intense. To deal with the challenges and to meet the diversity of customer demand, Commercial Banks continue to adjust management strategy and to strengthen innovation ability. Strengthening the personal financial business marketing strategy research has become the inevitable choice of transformation of various commercial Banks development in the new situation. The research of personal finance in Commercial Bank is a complex systematic project. In this thesis, it elaborated method and skill of Commercial bank personal financial business marketing in YT commercial Banks in the new time, according to the basic principle of western commercial bank marketing and combining with the practice of YT commercial bank.This article is divided into six parts, the first part introduces background and significance of this article and the comprehensive summary for the research results at home and abroad. The second part introduces the definition of related concepts and theoretical basis, this part also analyses foreign commercial bank personal financial and marketing experience. The third part is about pilot of portfolio marketing analysis in YT bank. It is a systematic analysis from multiple latitude pilot in YT commercial Banks personal financial business marketing present situation, YT SWOT in the commercial bank marketing situation analysis. The fourth part is about the YT commercial bank personal financial business market portfolio marketing analysis, from various angles to YT commercial Banks personal financial business marketing present situation, YT SWOT in the commercial bank marketing situation analysis, YT pilot commercial Banks internal combination marketing situation described in a systematic; The fourth part mainly discusses the YT commercial bank personal financial business marketing combination strategy, target customers through market segmentation, differentiation marketing case; The fifth part analysis personal financial marketing strategy of security measures, planning and design of YT commercial bank personal financial business marketing to optimize the overall solution. The sixth part can be described as summary and outlook. The promotion of YT commercial bank personal financial business marketing strategy are full of confidence, through the personal financial business marketing strategy discussed we can transform grassroots commercial Banks management to make some new and beneficial attempt, and find out a suited way to the characteristics of the state-owned commercial Banks in China business marketing.This paper argues that, advanced marketing idea, a good customer base, and scientific management mechanism, high-quality professional team, for the sustained and healthy development of commercial Banks personal financial business plays a vital role. Through the explore of this paper can not only solve the problem in the personal financial business marketing strategy of YT bank, also can play a reference role on the later research work.