Research On Marketing Strategies Of Personal Finance In China’s Commercial Banks

In recent years, China’s economic strength has been stronger, as well as GDP, which has surpassed Japan to become the world’s second. That reflects the national consumption level index of per capita disposable income continues to grow. With the adequacy of disposable income per capita, residents demand more for asset preservation. However, the traditional regular savings and other traditional financial management havebeen unable to meet people’s needs, and people have an urgent need for new investment. After China has joined into WTO, the financial sector begin to open further., but traditional commercial banks are confronted with transition pressure, which directly lead tothe rise and rapid development of China’s commercial banks of personal financial services.However, due to the short development of personal finance business of commercialbanks in China, there still exists some problems when practicing. This thesis mainly focuses on the research and detailed analysis of current situation in marketing, and put forward some development proposals.The essay is made up of seven chapters, the first chapter is the introduction; Thesecond part is the description of the basic theories; The third chapter is the introductionof how American bank arrange the finance for their customers. The next third chaptersgive some suggestions, including the marketing examples of bank A, and the FinalChapter is the conclusion.