The Financial Product Development Strategy Of The SPDB

With the rapid development of China’s economy and the per capita net income of residents in our country, Personal financial management consciousness and customer demand is also rising. Personal finance business has gradually get attention from the original bank’s off-balance sheet business, become the focus of the banking development. The competition between Banks are increasingly fierce, And the category of competition also gradually from the traditional business to finance operations, The development of personal financial services business, with its huge potential has become a focus direction of the current bank. But in terms of the current situation, our country commercial bank individual financing business compared with foreign commercial Banks still a huge gap, There is a lack of product innovation, lack of professional financial personnel, market segmentation is not enough, and many other problems, And these problems have become restrict the shackles of our country commercial bank individual financing business development, So The Research of commercial bank financial business strategy optimization is to achieve the healthy development of our country commercial bank individual financing business.In this paper, on the basis of inheriting predecessors’ research results analyzed the theory about the development of the commercial bank financial products, to provide guidance, through the theoretical analysis of practice and introduces the development course and the present situation of domestic and foreign financial products and experience is worthy of reference for the development of Shanghai pudong development bank financial products. Then based on the development of Shanghai pudong development bank ZhuoXin financial products pointed out the problems existing in the Shanghai pudong development bank in the financial product development, and applies the method of SWOT, analyzes the Shanghai pudong development bank in the development of the advantages and disadvantages in ZhuoXin financial products, as well as the opportunities and challenges in future development ZhuoXin financial products. After the analysis, aiming at the above problems puts forward the development strategy of Shanghai pudong development bank ZhuoXin financial products. Specifically, implement differentiation strategy, broaden the perfect marketing channels, speed up product innovation and brand effect, improve the marketing team construction and examination mechanism, perfecting ZhuoXin financial product risk control ability.The purpose of this document is to theory combined with the actual method, through the SWOT analysis of the development of Shanghai pudong development bank ZhuoXin finance products, it is concluded that to improve the development of Shanghai pudong development bank personal finance strategy, Shanghai pudong development bank for ascension ZhuoXin provide theoretical help to the development of the financial product more quickly.