Research On Optimization Strategy Of Postal Savings Bank Personal Financial Business Development Of Y Branch

With the continuous development of China's economy and society,people's investment enthusiasm rising,put forward higher requirements on commercial banks.Financial development of China's financial market makes the competition between commercial banks intensified,banks have begun to compete in the personal financial business of postal savings bank Y branch in recent years.In personal financial services continues to increase investment,to seize market opportunities,access to high income,which is currently one of the main development strategy of commercial banks in China to take.In this paper,through literature research,qualitative analysis,investigation and analysis,the analysis and research of the personal financial services of commercial banks related theory,analyzed in many aspects and the development status of the personal financial business of postal savings bank Y branch and the existing problems,points out the defects existing in the.And fully integrated development environment in China the current financial market,from the current situation of the development of personal financial business of postal savings bank Y branch,from risk prevention,management and maintenance of customer management,financial products and services,marketing and other aspects of the corresponding improvement measures,in order to promote the development of personal financial business of postal savings bank Y branch,To enable them to maintain a competitive advantage in the fierce competition in the market.Finally,this article from the cultural brand,organization,system,put forward the corresponding protection measures of resources,to ensure the smooth implementation of the development strategy of personal financial business of postal savings bank Y branch.