Research And Development Of The Personal Wealth Management Business Of Baotou Bank Baotou Branch

Shanghai Pudong Development Bank in recent years more and more attention to the retail business,and personal financial services as part of the retail business,such as credit cards than other retail business more development space.Because personal financial services have a lot of advantages,such as low operating cost,higher return rate,more easy to innovate,and can spread the risk.Therefore,it is necessary for the pub to develop the retail business and to study its personal financial services.This paper inherits the results of previous studies,and further combine theory with practice,data collection research methods of questionnaire survey,the Shanghai Pudong Development Bank Baotou branch personal financial business to analyze the current situation and the problems are put forward,including the financial product design,service insufficient aspects,competitors etc.the pressure,not enough attention,the personal financial services of traditional channels etc..And using the PESTEL analysis model and the SWOT analysis model,the Baotou branch of Pufa Bank has been carefully analyzed from inside to outside.Finally,a series of countermeasures and suggestions for the personal financial services of Baotou branch are summed up for the reference of Baotou branch and other commercial banks.It includes developing customer centered financial products,optimizing service quality,improving professional quality of financial personnel,strengthening cooperation with competitors,increasing personal financial services and changing marketing channels.