Tianjin Commercial Bank Individual Financing Business Development Strategy Research

The financial market opening time is not long in our country, our country commercial bank financial innovation and the developed countries there is a certain gap. Since citic industrial bank guangzhou branch business as early as in 1996 after the first domestic personal finance business, commercial Banks in China began to see the advantage of personal financing business have launched products in accordance with its own characteristics, grabbing market share of personal finance business. However, because of the influence of the financial supervision in our country, and individual financing business development time is short, lack of operation experience of personal finance business development or present a lot of problems.In this paper the current situation of commercial bank personal financing business in tianjin was analyzed, and puts forward the problems existing in the development of the cause of the problem. Study found that tianjin commercial bank to develop personal financing business mainly exist in the financial product homogeneity serious, lack of innovation, financial management personnel quality is low generally, the service level is low, the threshold is too high, financial product information transparency is not high, the cause of these problems mainly include: commercial Banks, decentralized management, lack of social credit system, the lack of related laws, legal foundation weak, the traditional financial management culture and the influence of the financial pitfalls, tianjin commercial Banks internal factors such as the reason.To solve these problems, this paper puts forward the countermeasures of commercial bank individual financing business development of tianjin include promoting the brand construction, promote the product structure optimization and innovation, create good personal finance products brand, cultivate high-quality personal finance product manager, refining the personal finance customers, provide personalized individual financing business for personal finance customers, establish and promote personal credit reporting system.