Research On Developing Measures Of Personal Finance Services Of SPDB

Guangda bank financial products from the2004advent of China’s commercial banks are now issued over tens of thousands of financial products every year, commercial banks financial products scale is increasing year by year, to show explosive growth situation. The issue of financial products not only meet our customers’ pursuit of high-yield, and returned to the major commercial banks at the same time bring considerable intermediate business income.But the wealth management business in the development of commercial banks at the same time, there are also financial products homogenization of serious, lengthy process of bank services, lack of ability of financial professionals.In this context, how to seize the high quality customers to capture the market, to obtain greater profits, and how the development of China’s Personal Financial Services, deepen financial connotation, providing customers with a more personalized service to improve the core competitiveness of commercial banks, and has become The banking sector must be urgently study.The related financial theory and personal finance business from the start, the experience of the development of foreign banks to make a comparative analysis of the current development of the finanical management business at home and abroad, and draw some useful lessons to further personal finance business of Shanghai Pudong Development Bank The analyzes were carried out to analyze the factors restricting the development of Shanghai Pudong Development Bank Personal Financial Services, and the idea of the development of Shanghai Pudong Development Bank Personal Financial Services, methods, and strategies to contribute to the development of Shanghai Pudong Development Bank Personal Financial Services.This paper is divided into six chapters, first introduce the background and significance of the thesis topic, the wealth management business development status of domestic and foreign commercial banks, and describes the structure of the paper; Chapter2describes the theoretical basis of the definition of personal finance and commercial bank personal finance business, and life cycle theory, portfolio theory, behavioral finance theory and commercial bank personal finance business relations; Chapter3describes the status of the Shanghai Pudong Development Bank Personal Financial Services, developments in recent years, as well as a comparison with the same industry Chapter4introduces the Shanghai Pudong Development Bank Personal Financial Services found that the status quo, to point out the problems and the cause of the problem; Chapter5countermeasures from the product structure, marketing, team building, risk management, and other aspects of the development of the Shanghai Pudong Development Bank Personal Financial Services Finally, the inadequacies of the existing research conclusions, and this article.