The Research On Development And Optimization Of QD Rural Commercial Bank Financial Products

With the development of financial globalization, people's living standards improve, consumption level is improved, so the quality of life has a strong desire, financial management ideas. In recent years, a variety of financial products, in the country set off a wave of financial". Due to instability in the financial markets, of which there are many factors, coupled with the lack of investment, a lot of people's professional knowledge, on stocks, bonds and other financial products lack of purchasing power, so commercial bank financial products with the risk small, stable income and other advantages, by many consumers of all ages and become the financial management of the first choice.From China's commercial banks in the current promotion of personal financial services, due to the lack of advanced technology and rich experience, leading to a single financial products, financial services are not recognized, coupled with foreign banks continue to enter China's commercial banks market competition, to the development of China's commercial banks to bring great impact and challenge, this situation, how to break through the development of the development of financial products, as China's commercial banks to explore the development process. Commercial banks should establish the concept of "consumer centric" service concept, optimize the design of financial products, to achieve innovative portfolio, and improve the internal organizational structure and management system, and build a new image of the development of commercial banks.This paper takes the QD rural commercial bank as the real case, the personal financial products as the breakthrough point, through comprehensive analysis of market environment, customer demand, the use of portfolio evaluation model to explore, to provide customers with a more personalized, practical financial product portfolio, and guide customers to buy financial products, for China's commercial bank financial products portfolio strategy optimization. This paper is divided into five chapters, the specific analysis is as follows:The first chapter is introduction. This chapter mainly describes the background, significance, research status, research results and research ideas of this paper.The second chapter is the theoretical research. This paper puts forward the concept of commercial bank financial services and the meaning of personal financial products, and studies the theoretical basis of this thesis.The third chapter is the problem research. QD rural commercial banks in the actual case, analysis of the bank's personal financial products application status, application features and existing problems.The fourth chapter is the empirical analysis. The principle, process and strategy of the combination of individual financial products of QD rural commercial bank are proposed. The method of constructing the evaluation model is put forward.The fifth chapter is the strategy research. For QD rural commercial bank personal financial products business problems, put forward the concept of financial products, combined strategy, through detailed division of financial markets, build a sound financial management system, the formation of risk disclosure mechanism, improve the quality of staff and other ways to achieve financial products of rural commercial banks, innovative, sustainable development.The sixth chapter is the paper and give the prospect for the future research.