Research On Strategy For Personal Finance Of Harbin K Branch Bank Of China Construction Bank Corporation

In recent years, China has maintained a high economic growth rate,followed by higher inflation, interest rates banks obviously can not resist inflation to customers of assets shrink. On the one hand, it is a lot of money can not find the product, eager to find investment channels; the one hand, the strict supervision of banking supervision banking business, and strictly control the ratio of loans. Personal Financial Services business outside banks belong to the table, in large part to avoid the regulatory regulatory agencies, and the ability to absorb large-scale funding such a setting, the end result is the operating mode by changing the bank’s profit will our banks We carried out in-depth increase.Customers in the process of buying financial products, but also to enjoy a stable income generally slightly higher than fixed deposits, therefore, the rapid development of personal financial services, CCB branch in Harbin K personal financial business has been rapid development. The main purpose and practical significance of this study is able to develop personal financial services K Construction Bank branch in Harbin play practical significance, make constructive suggestions, so that K Harbin Construction Bank branch personal financial business healthy and sustainable development.In this thesis, the concept of personal financial services, classification,development as a starting point, summed up the advanced experience of foreign commercial banks in the development of personal financial services, and then analyzes the current situation of personal financial services K Construction Bank branch in Harbin. Harbin Branch of China Construction Bank K customer base and the surrounding financial institutions detailed analysis, the bank’s full-bore deposits, the loan, intermediate business income, asset quality, operating efficiency, Personal Financial Services were systematically analyzed, and By analyzing a series of questions Harbin Branch of China Construction Bank K in personal finance business development exists. There are specific branch of personal financial products and deposit development bottleneck, intermediary business revenue fell, customer relationship management system application is not sufficient, the staff and the overall quality of work needs to be strengthenedrisk control, corporate banking branch in shrink affect the overall effectiveness and customer development, and in-depth analysis of the reasons for these problems. Then grasp the principal contradiction, the difficulty falling one, come up with strategies to solve these problems, namely a good job flows, good customer maintenance and development, regulatory authorities and the relevant provisions of the service line within the system, strengthen financial management team and channel construction this Five Strategies for Harbin Branch of China Construction Bank K continued healthy development of personal financial services have important theoretical guidance and practical significance.