Domestic Commercial Bank Financial Product Development And Countermeasure Research

In recent years, China’s banking system from the original simple bank gradually transformed into a modern multi-level banking system, In the international financial markets increasingly have a say; the rapid development of the financial market for traditional products and services to commercial banks made adjustments requirements, the strategic transformation of the domestic commercial banks imperative. Currently, on the whole, China’s commercial banks, financial products compared with the early stages of development, the number of financial products, type, size and other aspects of the issue have made great progress, related policies and regulations have gradually improved, but There are still have many problems in the development of our business financial products, such as commercial banks, liquidity of financial products is not strong, the brand a sense of market transparency is not high, the imbalance between supply and demand, proactive marketing awareness is not strong, the risk of problems with commercial banks in developed countries financial products market in innovation, risk control, regulatory supervision compared to basic statistics, financial managers and other aspects of quality are still a big gap. China’s commercial banks financial products relative to other financial organization products, high reputation of financial products, a wide range of channels such advantages. It can be said at the moment, the opportunities and challenges of the business development of the coexistence of financial products, financial products for commercial advantage in the development process to continue to maintain; financial products for commercial problems will have to learn from developed countries by foreign financial bank experience in product markets, combined with the specific situation of China’s financial markets, to improve the joint efforts of investors and customers, commercial banks, regulatory authorities.Firstly, the concept and the policies and regulations of commercial banks financial products, demand conditions for a detailed introduction, mainly introduces the definition and characteristics of commercial banks, financial products, commercial banking policies and regulations in the investment threshold and sales management as well as commercial bank financing demand for products of the status quo. Then the development process of commercial bank financing products, changes in the mode of operation, developments in the Internet era commercial financial products are introduced. Finally SWOT analysis analyzes the commercial financial products in the development of threats and weaknesses; at the same time, the use of 4C marketing theory on the existence of commercial financial products marketing issues in-depth analysis, and propose appropriate countermeasures. Research focus of this paper is the development of China’s commercial banks financial products Problems and Countermeasures, innovation is SWOT analysis and 4C marketing theory to the development of China’s commercial banks, financial products exist in the process to conduct a comprehensive analysis of the system, thus from Development Strategies angles various issues raised commercial financial products.But this is only for commercial banks widespread problem of financial products to analyze and propose a solution, there is no combination of specific business financial products for analysis, the lack of certain targeted.