| With the growing wealth of the residents of Jiamusi, personal financialservices to the growing demand for higher and higher, personal financialmanagement business in Jiamusi City, a lot of room to grow. The general public,the property of the value-added approach is very limited, and a general lack ofknowledge related to personal financial management. And whether domestic orforeign financial markets, the prevailing volatile situation, the urgent need of aprofessional financial institutions, professional staff to provide guidance. Jiamusicurrent major commercial banks are still operating income from deposit, loaninterest mainly poor, but this single model of the space increasingly shrinkingprofits. Jiamusi taking into account the size of the market, it is difficult to havegreater room for expansion, the intermediate business of commercial banksgradually from all the attention, and non-interest income also have a greatbusiness Development. And Personal Financial Services are still in the stage hasjust started, but personal finance very large potential market, Jiamusi commercialbanks between Personal Financial Services there will be a fierce competition,from securities companies, insurance companies and other financial institutionsin competition Pressure will become increasingly apparent.In this paper, the Jiamusi branch of the Construction Bank of PersonalFinancial Services carried out an analysis of the status quo, point out that theadvange disadvange and chance streat through the way of SWOT analysis, on thebasis of this reveals the Construction Bank of Personal Financial Services Branchof Jiamusi the problems and then in market positioning, and establishmanagement systems, marketing and sales， business innovation, personneltraining, brand promotion, and other aspects of the proposal accordingly, with aview to Jiamusi branch of the bank increased the competitiveness of PersonalFinancial Services to provide useful help. |
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