Investigation Report On Personal Financial Business Of Anqing Branch Of Industrial Bank

With the advancement of reform and opening up in China,the economic level has been continuously improved.The rapid growth of people's income level and financial awareness creates a favorable external environment for the personal financial business of commercial banks in China.In this favorable situation,China's banking industry began to pay attention to the emerging field of personal financial business,the personal financial business becomes a new profit growth point and the major commercial banks launched a fierce competition on personal financial services.For commercial banks,the development of personal financial business can not only increase the considerable profits,but also provides strong support to maintain and expand the high-end customers.Although the personal financial business of commercial banks is a comprehensive concept from the point of the relevant administrative regulations,the personal financial products are the main carriers of personal financial business in terms of the current situation in our country.In recent years,under the pressure of inflation,the residents have more and more demand for asset preservation and appreciation,the market of bank financial products is increasingly prosperous.This article takes the Anqing branch of Industrial Bank as the research object,based on the life cycle theory,financial innovation theory,monetary time value theory and customer relationship management theory as the theoretical basis of program design,using the questionnaire survey method,the interview method,the literature research method,the telephone survey method and other ways to investigate the personal financial business of the bank.The research results use the form of investigation report and the article follows the following ideas.Firstly,obtain the first-hand information of the personal financial business of Anqing branch of Industrial Bank in recent five years through the field interviews and understand the customers' demand for personal financial business directly by issuing questionnaires to the customers.Secondly,introduce the general situation of Anqing branch,the organizational framework of financial business and the key financial services,so as to have a preliminary understanding of the personal financial business of Anqing branch.Thirdly,analyze and summarize the detailed information from the field interviews to form a more profound understanding on the current situation of personal financial business of Anqing branch,at the same time,count the results of questionnaire survey,analyze and summarize the operation of personal financial business of Anqing branch from all aspects of statistical results and point out theproblems.Finally,in view of these problems exposed in the development of personal financial business,this paper puts forward specific countermeasures and suggestions for the further development of personal financial business of Anqing branch what enable Anqing branch to continuously improve the personal financial services,to promote its sustainable development,to better meet the financial needs of the masses of the people.Through this research,this paper believes that Anqing branch of Industrial Bank not only need to provide high-quality financial services,but also to deal with the relationship between risk and return for customers in the design of financial products,and ultimately achieve a win-win goal.