Research On Marketing Strategy Of Personal Financial Products Of Postal Savings Bank Hunan Branch

In recent years, major banks regarded primarily financial, material and human resources into the development work on financial services. Its wealth management business involves a wide range of characteristics, low-risk, stable operating income, attract more and more banks to join the competition, increased competition among banks. With the continuous changes in the CPI rising domestic and international financial crisis, the major domestic banks are actively adjust the direction of investment. Banks in order to meet our customers needs for financial investment, the main push start some income stability, easy to learn and flexible financial products. Banks introduced a distinctive financial products from financial cycle, steady income and other aspects, different marketing target customer base. Postal savings have bank from the 90 s of last century, it introduced a number of financial products, for customer marketing also accumulated more experience in the future development requires more comprehensive advantages of other financial products, weaknesses, to help the postal savings bank break new ground. Therefore, the need for postal savings bank financial product marketing conducted some research to protect the competitiveness of the Postal Savings Bank.In this paper, based on the analysis of financial products and related literature analysis, through the postal savings bank Hunan Branch of financial products introduced in the future development of financial services, which must be combed. Postal Savings Bank branch in Hunan Province learned of financial products, although sales have made no small achievement, but there are some competitive pressure. Thesis Hunan Branch of the postal savings bank financial services sales analysis, combined with the investigation and analysis of bank customers, the environment, product risk and product structure and other aspects of the use of the internal and external environmental situation SWOT analysis theory bank development bank as a service Industry important part of the service concept as an external guide business development, the financial products promotion and publicity as an important part of the development branch of study the Postal Savings Bank branch in Hunan Province current financial marketing environment, summarize strengths, improve weaknesses, develop new financial marketing strategy. Author of postal savings financial products marketing strategy for further analysis and research for the future marketing of financial products put forward new ideas and countermeasures, but also provides can learn and exchange of financial products for the industry marketing strategy methods in order to better to provide quality services to our customers, to better meet our customers needs for financial products, and strive to achieve the scale and financial benefits of marketing to maximize the "win-win" goal.