Study On A Bank Branch Tai’an Personal Financial Services

With the promotion of social progress in the economic, as well as financial market has also been greatly various aspects of the wealth of society as a whole is increasing, the industry created a solid production, processing, manufacturing and other industries the rapid take-off, at the same time accumulated a lot of wealth to the community. As we all know, the personal finance business continues to improve earnings of commercial banks, some foreign banks such as Deutsche Bank, HSBC and Citibank margins are higher than 50 percent. In recent years, the state-owned commercial banks and foreign have developed very rapidly, and innovation in personal financial services, personal financial services business in the domestic and foreign commercial bank personal financial business slowly among the best. But can not deny that China’s current personal financial business is still in its infancy, the development of reality, there are still many problems. In addition, compared with the foreign banks, domestic commercial banks personal financial services, there are still many problems and shortcomings, so China’s commercial banks are forced to have to accept competition and pressure on foreign banks to bring personal finance business and, therefore, by analyzing the current situation and development environment Tai’an a bank branch for personal financial services, and the reasons for the existence of the problem, and then combined with China’s national conditions and in all aspects, and learn from the advanced experience of developed countries, so as to propose appropriate measures to be improved to promote a Taian Bank branch personal financial services to the rapid and healthy direction, thereby optimizing the quality of financial management services, improve the competitiveness of all its aspects.In recent years, A branch of the Bank of Tai’an project finance rapid development, personal finance has been continuously enriched form, forms, sales channels gradually increased, the number of adequate supply, but also to provide favorable conditions on personal finance. A bank branch Tai’an an uneven, unreasonable, inconsistent resource allocation configuration is this irrational structure caused by the customer. Through the analysis, A lack of bank branches Tai’an branch financial manager, lack of professionals, has become a reality. In terms of quantity, a large customer base, only a handful of financial managers, personal "one to one" service, most customers do not enjoy. Advanced concept of marketing services is essential for the future development of Tai’an A bank branch, but on its current service concept, the main store, selling products pre-publicity is not enough, lack of product sales tips, sales and low product quality and after-sales service. A bank customer segmentation Taian branch problems is when you divide the customer level, based only on the asset size of customers, resulting in customer segmentation single standard. Commercial banks can continue successfully to carry out personal financial services, well-developed rational assessment standards, training and selection of professional, high-quality selection of financial managers, it has become a priority. To solve these problems this paper, financial services according to customers’ requirements targeted; equipped with high-quality, high-capacity financial manager is the fundamental element of personal financial services. While improving on the financial manager of training and assessment; strengthen brand building, highlighting the brand differentiation; to strengthen channel integration, changes to the network channels; improve channel value to the personalized service change; improve the business approach to the customer-centric; improve transparency strengthen risk prevention recommendations.