Individual Financing Business Development Strategy Of The Bank Of PF In QD City

With the continuous improvement of our country economy level, the residents ofdisposable income continues to increase, residents’ financial management increasinglystrong demand. With the rapid development of economy in our country, personalfinance business in China started relatively late. Based on the bank of PF QD branchpersonal financial business as the research object, draw lessons from commercial bankindividual financing business development of the research at home and abroad,according to the theory of market segmentation and personal financial life cycletheory as the theoretical foundation, through to the bank of PF, QD individualfinancing business development present situation analysis, found the existingproblems in the development of its business and the causes of the problem. Throughto the interior and the exterior of PFQD branch individual financing businessdevelopment environment were analyzed, and find out the strengths, weaknesses,opportunities and cost of business development, the SWOT analysis. Developbusiness development principles and development target, and puts forward relateddevelopment strategies.In the first chapter is the introduction section of the paper, the author of the paperresearch background and significance, research ideas and methods, researchframework and the innovation of the contents, literature review and research point.The second chapter, the author discusses the connotation of personal finance, and thedevelopment of individual theory related theory, such as market segmentation theoryand personal financial life cycle theory, etc. Third chapter by using the theory of thePF QD branch bank individual financing business development present situation, thearticle analyzes the existing problems and root causes. The fourth chapter, the authoranalyzes the QFQD branch individual financing business development of macroenvironment and market environment, find out the branch has the strengths,weaknesses, opportunities and threats, SWOT analysis.. The sixth chapter, from thestrategic management awareness, perfect the incentive system for examination andassessment, improve the talent allocation system and strengthening the business riskprevention four aspects the guarantee measures are put forward. Hope this researchcan be of PFQD branch of individual financing business development to provide some beneficial exploration and help, to cope with competition in the financial businesstrade market, realize leap-forward development business.