| Private banking program is not a simple personal deposit in the bank, buy fund or other financial product, also is not only relevant Suggestions on investment to customers, but commercial Banks according to their own efficient, professional, and the advantage of safety, to provide customers with a variety of ways of solution, in order to achieve the purpose of customer asset value maintained and added. Compared with general personal finance, it is more emphasis on asset management capabilities, business scope covers a broader, in fact, private bank earnings performance is far better than the general retail banking business. So, this is China’s banking sector to perfect the development mode, broadening sources of income.**bank zhejiang branch based on the private banking business in recent years the development of the status quo, through the theory of5p in the process of its development in the business plans, strategies, patterns, positioning, concept analysis, points out the problem:task plan issued a more extensive; Organizational structure forms certain constraints on the business development; Characteristic of product development and brand promotion ability needs to improve; Talent team construction faces a challenge; Customer segmentation is not clear, and so on.According to the above problem, by reference, the research about a large number of outstanding works of private banking business at home and abroad, combining with theory of customer segmentation, product positioning theory and the human resource planning theory, put forward relevant development countermeasures:improve pertinence, mission planning evaluation incentive effectiveness; With the linkage of the small and medium-sized enterprises, increase the intensity of brand promotion, enhance the product research and development; The divisional system "model architecture", exert the business team strength, improve human resources management; Accurate positioning, product and service to customers. |
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