Research On The Operation Mechanism Of Bank Wealth Management Products Network Marketing

With the development of economy, the per capital disposable income levels continue to improve, with residents of the accumulation of wealth and for bank financing products to wealth is also constantly seeking innovation and breakthrough. In the market competition and the progress of network technology, driven by double under the guidance of marketing theory, with the progress of mobile network technology especially 4 g technology promotion, bank financial product marketing into the PC network and mobile network and Internet era, China's network marketing, such as Internet banking, mobile banking, SMS marketing, We Chat marketing mode arises at the historic moment. In the mobile network marketing brings to the customer, the bank is convenient and innovation at the same time, also led to its information transfer efficiency is higher, the risk is controllable, its transaction cost is low. Therefore, bank financial products network marketing model, especially its running mechanism is worth further analysis.This paper through the literature retrieval method, theoretical analysis, empirical analysis method, deductive method, induction and other five kinds of research methods, on the theoretical basis of bank financial product network marketing, network marketing of economic analysis to the research and discussion, combined with financial products through the empirical analysis of the operation mechanism of the network marketing, draw the conclusion:compared with the physical network marketing strategies, bank financial product network marketing network marketing information transmission efficiency high, bank financial products lower transaction costs, bank financial product network marketing risk facing certain characteristics.Based on this, together with the present situation of bank financial product marketing, gives the following countermeasures:1. To further improve the efficiency of bank financial product network marketing information; 2. Reduce bank financial product network marketing transaction cost; 3. Strengthen the bank financial product network marketing risk prevention.