Analysis And Research On The Current Situation Of Personal Financial Management Service About Industrial And Commercial Bank Of China In Yingkou

By the end of 2013, a total of 25 is the number of financial institutions of Yingkou city. According to the economic development and the consumption characteristics of residents, the Banks have turned the strategy of serving the most people in personal finance business. Personal finance business has become the banks' focus of pursueing the high-end customers, high quality customers and profits. In the industrial and commercial bank of China co., LTD., Yingkou Branch's personal financial business faces unprecedented competition pressure, which is from the surpassing and impact of the other joint-stock commercial banks in product innovation, incentive mechanism, and so on, and is also from competitive threats of deepening reform that is executed by the state-owned commercial bank in such aspects as management concept, organization structure, including the potential competitors, foreign Banks'severe challenges.This article begins to lucubrate from the comparative study of personal finance business both at home and abroad, and takes the development experience of personal finance business of the relevant countries and regions at home and abroad as reference, and combines with the present situation of development in personal finance business of the industrial and commercial bank of Yingkou Branch, and points out the opportunities and challenges in Yingkou Branch of the industrial and commercial bank, and compare personal finance business of Yingkou Branch of industrial commercial bank with other commercial Banks'in Yingkou region, and analyzes the existing problems in development of personal finance business of Yingkou Branch of the industrial and commercial bank, then in the hope of guidance from the theory, combined with the actual situation, puts forward the management countermeasuresand measures of completing the management of personal financing business of Yingkou Branch of the industrial and commercial bank, and at the same time, provides some reference in management and development for other peers.