Research On The Development Strategy Of Personal Financial Business Of Agricultural Bank Of China Dalian Branch

With the continuous growth of China's economy, residents' wealth continues to grow. While deposit rates gradually lowered and inflation still haunts us, people are inclined to choose capital appreciation. This provides a broad space for the development of personal financial business of commercial banks. From the view of bank, the economic stabilization and policy control lead to high-quality corporate customers to reduce and deposit and loan spreads narrowed, but also restricting the growth of its earnings. As an important investment channel for the public personal financial services is also an important part of commercial banks' profit, which has increasingly become the focus of banking competition.Agricultural Bank of China Dalian Branch is a direct branch of Agricultural Bank of China. Its personal financial services has "Golden Key", "Kins", "Golden Online" and other famous brands. Through years of market promotion and dissemination, personal financial services of Agricultural Bank of China has gradually been recognized and accepted by customers, formed a group of loyal customers, and promoted the development of personal financial business.This paper is based on the theory of personal financial business development, using sophisticated theoretical analysis tools, analyzing the advantages, weaknesses, opportunities and threats of its personal financial business development, puts forward the recommendation of product innovation, service upgrade, financial management team and cultural construction of Agricultural Bank of China Dalian branch combined with the practical situation. The first part introduces the background and significance of the topic. The second part reviews the development of personal financial business at home and abroad as well as theoretical research tools. The third part analyzes the status of the development of personal financial services, finds out the existing problems and reasons. The fourth part is the development strategy of personal financial business of Agricultural Bank of China Dalian branch, provides a reference for the development of Agricultural Bank of China Dalian branch's personal financial business, also expects the industry can have some inspiration.