Research On The Development Strategy Of Personal Wealth Management Business Of Bank Of China JN Branch

With the improving of the level of our country national economy development, as well as the global economic integration accelerating, the income level of people had obvious enhancement. Then bring people is rising disposable income and increasing personal wealth accumulation, with increasing personal wealth accumulation, people is higher and higher demand for money. And with the innovation of financial instruments and increasing competition in the financial markets, personal finance business has gradually become a new profit growth point. This article was based on the social background to grassroots bank as the research object, discussed in the current situation of how Banks should according to their own resources advantages to develop the personal finance business.Based on the JN Branch of bank of China as the research object, and describes the concept of literature and the comb, determine the direction of the research papers; And then combined with life cycle theory, portfolio theory and related theoretical tools, in to JN branch individual financing business development situation, on the basis of full investigation, using the SWOT analysis tool for the JN Branch of bank of China in the process of individual financing business development strengths, weaknesses, opportunities and threats faced by carried on the thorough analysis, and points out the current JN branch in the process of individual financing business development of positioning, problems such as insufficient investment in science and technology as well as institutional shortcomings; Finally aimed at these problems, this article from regular finance idea, accurate positioning customer group, speed up the development of financial products and innovation, and improve the system of risk management aspects put forward concrete Suggestions and strategies, and hope to the JN Branch of bank of China smooth and healthy development of the personal financial management business.This paper argues that the JN Branch of bank of China to make themselves in an increasingly competitive financial product to gain a foothold in the market, it is necessary to make full use of the resources of its own advantages, market-oriented, to fully meet customer demand for the power, foster strengths and circumvent weaknesses make with characteristic of the bank financial products, only in this way can guarantee the healthy development of personal finance business JN branch.