Studies On The Influencing Factors Of The Sales Of Bank Financial Products

Bank financial products are independent design of commercial banks,with features of a fixed investment,the highest expected rate of return and fixed investment period.Under the background of sustained and stable economic growth in China,ersonal financial needs of residents also increased with income growth.Commercial banks are facing a huge financial products sales market,Improve financial products sales performance has become a powerful counterweight to defeat competitors.Therefore,to grasp and control the factors that affect the sales of bank financial products will help commercial banks to take a strong position in the fierce market competition.In this paper,the commercial bank financial products as the research object,starting from the definition,classification and development of financial products.Through the study of domestic and foreign scholars for the analysis of the factors affecting the sales of bank financial products,a preliminary conclusion is obtained,then the introduction of Guangdong Development Bank Beijing branch personal financial products sales data.Using descriptive analysis,correlation analysis and multiple linear regression analysis,the key factors affecting the sales of financial products are analyzed.The results show that bank financial products sales channels,customer gender,age and education are closely related to the sales of financial products.Among them,male customers aged 30 to 50 become the main customer group of my marketing financial products.Then the risk and supervision of commercial banks' financial products are further studied.Finally,according to the above research,the paper gives some suggestions on how to improve the sales of financial products.