| In recent years,with a further slowdown in economic growth,population aging is serious,the emergence of demographic dividend is rapidly disappearing,and so on and so forth,China's economy has entered a "new normal".In the financial services market,supply and demand contradiction is increasingly outstanding.On the one hand,the rapid growth of residents' personal wealth lead to financial services demand continues to expand.On the one hand is serious product homogeneity in financial services market and lack of marketing is hard to meet the demand of consumers,diversified financial services.From the beginning of doing business,the bank of construction,baishan of financial services business development momentum is very good.But as a result of market-oriented interest rate steady progress in recent years,together with the booming of Internet finance,financial services product market competition is increasingly fierce,the construction bank baishan branch of financial services marketing has also been an unprecedented impact.How as soon as possible out of the woods,continue to maintain the good momentum of development of financial services business to become a major dilemma facing the CCB baishan branch.Baishan branch of CCB financial products marketing research,theory,beneficial to the healthy development of baishan city financial services market,enriched for baishan city financial services product marketing microcosmic research.Reality,through to the construction bank baishan branch conduct the thorough research to the financial services product marketing,analysis the insufficiency,find the reasons of the problems,and put forward reasonable Suggestions targeted,to solve the CCB baishan branch faces the impact of the financial services business,and realize the sustainable development is of great realistic significance.The article first introduces the development of baishan branch of CCB,through analyzing the current situation of financial services product marketing,find its exist in the marketing of financial services marketing assessment mechanism defects,product sales channels through the insufficiency,the product competition,the marketing effect is not obvious four aspects of the problem.Secondly based on the analysis of four aspects,find out the reason of the problem.Studies have found that there are financial services,construction bank of baishan branch has a traditional product marketing concept and marketing,the target customers of financial services market segmentation is insufficient,lack of financial products innovation,financial services marketing is of great importance to strengthen the four aspects of the talent team construction.Thenin view of the insufficiency in CCB baishan branch,according to the relevant financial services marketing theory and practical research,proposed to improve the CCB baishan branch financial services product marketing proposal.Mainly includes the following points: one is to carry on the financial products innovation,improve product competitiveness;The second is to strengthen market segmentation,meet the multi-level needs of customers;Three is to optimize the service quality,improving customer experience;Four is to strengthen talent team construction,and provide talent guarantee for the sustainable development.Through the study concluded that the construction bank baishan branch to resolve facing the impact in the financial services market,we must strengthen product innovation,through the further subdivided market,optimization services to meet customers different levels of diversified financial services demand,at the same time attaches great importance to the talent team construction,to promote the healthy development of financial services business of CCB baishan branch.But due to the limited level and objective conditions,the article not baishan branch of CCB to undertake a comprehensive study on the whole process of financial services product marketing,also some deficiencies,will continue to study in the future. |
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