Analysis And Research Of Commercial Banks’ Example Commercial Banks’ Personal Financial Products In Medium-sized City

Nowadays, with economic development, there has a prompt rise of our country resident who live inmedium and small-sized cities in personal property level. In the case of national economy increasinginflationary pressures, demand for property preservation and appreciation of residents are increasingstrongly. People’s investment inclination and conception of personal finance is also gradually increased,and demand for financial services is also increasingly diverse and complex.Today, in the low-profit period,china’s commercial banks need to build its core-competitiveness, and personal financial services to becomea new hot spot for the development situation. Commercial banks have put forward a customer-centricentrepreneurial idea, they hammer at improving the introduction of high-quality financial products andservices. At present, the development of small and medium-sized city commercial Banks in China is stillrelatively backward. How to adjust the income structure of commercial bank, let intermediary businessincome becomes a new profit growth point of commercial bank, gets rid of the current commercial bankbusiness income risk gradually constitute a single, centralized state, what become an important problemneeded to resolve for commercial Banks.In this paper, the adoption of theoretical research and empirical analysis Methodism combine a varietyof research methods，through the research of ZhouKou bank, in view of the status quo of people personalfinancing business requirement, combination of questionnaire data analysis, survey characteristic ofcitizenizes in the consumer and financial business requirement; the experience impersonal finance bankingbusiness; participation and evaluation, as well as the many kinds of demands of banks personal financialservices, sum up the current period of China’s Economic Transition, there are many problems in thecommercial banks which in financial planning products and services development, and most of them do notbring-forward the corresponding strategy to work out these problems: such as service homogenization,poor planning of the products innovation, seriously lagged Of customer relationship management systemconstruction, the resident’s requests no longer suffice of these emerging products and services,and most ofbanks not implement financial business conception in customer–centered. by the method of contrastive analysis, propose different aspect appropriate financing strategy, which indifferent banks financial servicesproducts supply and city family financial business,from the development of financial product innovation,Service system, business management and so on.This paper argues that, In Zhoukou Banks on behalf of the small and medium-sized city commercialBanks should on basis of the strengthen product innovation, to suffice the financial needs of the residents,through the establishment of multi-multisystem financial service organizations to suffice the requirement ofresidents at different levels. At the same time, Zhoukou Banks should strengthen the customer relationshipmanagement, increased investment in marketing resources，attempt atimprove financial products andmarketing mechanisms services, and the sound management of financial markets, to commercial banks, thisis the only way to rapidly enhance personal financial products and services, fundamentally closer therelationship between customers and banks.