Research Of Citic Bank Changchun Brangch Personal Loan Marketing Strategy

Along with our country economy to tell and sustained development of the residents' wage income increases gradually,the steady growth of disposable income,the demand for financial products is no longer limited to the simple deposit,settlement and exchange,etc.,but the new financial tools such as finance and investment,consumption and product produced great interest,consumption idea and consumption behavior of change makes the commercial Banks in the development opportunity of a personal loan.At the same time,the national planning on spending:China should insist on expanding domestic demand strategy,to establish a long-term mechanism for expanding consumer demand,the residents' consumption potential effective into realistic consumption demand,consumption,investment and export will be coordinated to boost economic growth.Therefore,seize the favorable opportunity of China's residents' consumption structure upgrading,to develop the personal loans,support the reasonable consumption demand,also can meet the demand of the development of the national stimulating domestic demand.Citic bank's changchun branch was established on September 25,2009,and is also the final strategic layout of citic bank's general bank in northeast China.With the development of changchun branch in recent years,various business and business structure adjustment,its growth,personal loan business from scratch,from slow to fast and formed the unique marketing model.In many commercial Banks,the personal lending business of changchun branch of citic bank has been established.Introduced in this paper,in changchun,China citic bank branch representative of personal loan product,slowly understanding of the current in changchun,China citic bank branch for a personal loan marketing present situation,and on current form,findthe problems and obstacles of the marketing situation in changchun,China citic bank branch in personal loan marketing strategy.Based on the current economic development,this paper puts forward some Suggestions.