Huishang Bank Hefei Branch Personal Financial Product Research Report

With the rapid development of Internet finance,the traditional banking business has been a huge impact,the major commercial banks have to seek reform to deal with the fierce financial markets,has introduced new banking business to meet customer investment needs,financial products market so fast Development,the diversification of the banking industry has played an important role in promoting.In addition,with the development of the economy,the growth rate of income of domestic residents is rising,residents no longer want to simply bank the funds can only get meager interest income,but to seek greater value-added,the demand for financial products Also higher and higher,which further promoted the development of bank financial products.But the attendant problems also plagued the major commercial banks,how to meet the different levels of investor demand for financial products? How to control the financial risk to protect the interests of investors? The future of commercial banks financial products market development path is still long way to go.This paper takes HuishangBank Hefei Branch as the research object,and uses the questionnaire,comparative analysis and other methods to analyze the basic situation of the investor,the motive of the behavior and the elements of the financial products.The analysis of Huishang Bank Hefei Branch’s personal financial products The existing problems,and from the external perspective,internal perspective and investor perspective three angles to control the Huishang Bank Hefei branch of personal financial products development of the main factors.Finally,some suggestions are given,hoping to give some reference and help to the research and development,sales and development of Huishang Bank Heifei branch and other financial banks in China.The first chapter mainly introduces the background of the research,the purpose and significance of the research,the research methods and the innovation and the shortcomings.The second chapter mainly introduces the development of Huishang Bank Hefei Branch financial products;Chapter 3 is a summary analysis of the results of the questionnaire survey;Chapter 5 is from three angles analysis and control of Huishang Bank Hefei The main factors of the development of financial products and analysis of its existing problems;Chapter VI of the development of financial products to put forward countermeasures.Hope that the research results for the future banking industry,the development of personal financial products to provide reference recommendations.