The Study Of Personal Financial Products Of Huaxia Bank

With the booming development of financial business in the Chinese market, commercial banks’personal financial products have become the new market competition for big banks. Huaxia Bank is approved by the State Council, which is set up mainly by state-owned legal person shares of the national joint-stock commercial banks, is China’s first set up by industrial enterprises in the bank, is the only one named after the ethnic name bank, facing the strategic environment complex, full of opportunities and challenges. This paper will use the economics, finance and management and other related knowledge, using the method of combining static analysis and dynamic analysis, the characteristics of personal financial products, focus on the development strategy of Huaxia bank. At the same time, through the comparison of Huaxia Bank and the other banks in the financial product development strategy of the similarities and differences, the actual business of commercial banks in China by combining theory with practice, analysis, pointed out that the development of Huaxia Bank in its financial products on the advantages and disadvantages, and give suggestions for how to make use of Huaxia Bank, refines the development strategy of financial products in accordance with the Huaxia Bank characteristics.First of all, this paper would like to discuss the development background, the development course of commercial bank financial products, the overall classification review of financial products, and then to do a general survey of the Chinese financial market development; second, from Huaxia Bank financial products, from its product background to the situation, and then through the comparison with its competitors, to know the industry situation, analysis of Huaxia Bank financial products, and further discusses the existence of some problems, on the basis of these problems, using SWOT to analysis the strengths, weaknesses, opportunities, threats of Huaxia Bank financial products, discusses what advantages and disadvantages, how to seize the opportunity and facing the threat, thus summarizes the measures for the development of financial products of Huaxia Bank, and puts forward relevant suggestions for improvement.This paper suggests:Huaxia Bank in the development of the personal financial product, should give full play to its advantages, make good use of its brand, the rapid growth of electronic banking, and financial management experience and other aspects of good resources; at the same time to overcome their own weaknesses, to strengthen the construction of network construction, management and incentive mechanism and improve the comprehensive strength as soon as possible; and, on the basis of the weaknesses, Huaxia Bank should appropriate product and service innovation, so as to further promote the development of Huaxia Bank financial products, so that it can develop smoothly and healthily.