Analysis Of Personal Financial Business Of Gansu Province Rural Credit Cooperatives

At present, China’s commercial banks began to pursue the "customer-centric" marketing concept, personal financial services will gradually become enhance customer loyalty, improve the competitiveness of banks an effective means of commercial banks face after an effective interest rate market to increase revenue weapon, commercial banks have become invincible magic in the market competition. Today, personal financial services in Western countries has entered a mature stage, China’s commercial banks are also more attention to the development of personal financial services, rural credit cooperatives, rural finance as the main force began to take advantage of personal financial services to grow their own strength.Compared with other domestic commercial banks, rural credit cooperatives in the presence of a single type of business, credit risk and large limiting factor, especially in the personal financial services to carry out more and more prominent issue. As one of them, inevitably there are many problems to be solved in Gansu Rural Credit Cooperatives. This paper describes the current development of domestic and foreign commercial banks, financial products, and analyzes the development of rural credit cooperatives in Gansu personal finance business necessity and feasibility of the status quo and problems on the basis of its development were the focus research, and put forward some feasible countermeasures. Designed to give full play to the leading position in Gansu rural credit cooperatives in the rural market and accounted for a place in the city market advantage to innovative personal financial products business, the added source of income residents to grow their own strength and win-win situation.