| Baotou City-the largest steel city in the middle of Inner Mongolia Autonomous Region,rich in natural resources,economic growth year after year,the rapid development of the financial industry,the five state-owned banks,major joint-stock banks,commercial firms,agricultural firms across the Baotou City street alleyways.In 2009,the price of steel rose,Baotou City,the rapid economic development to bring the pace of urbanization continues to accelerate the growing income of farmers,rural idle funds are increasing,the rural financial development potential is huge,become the financial institutions will be fight the land.Farmers have the money after the money,eager to capital preservation and appreciation,as the main service to urban and rural areas of rural financial institutions---Baotou Agricultural Bank of China has entered a new stage of vigorous development,how to meet the new form of customer's increasing wealth of financial services needs to become an important breakthrough in the current development.This paper summarizes the background and significance of the personal financial management business,and studies the current situation of domestic and foreign research.The theory of management system,life cycle theory and personal finance business model are summarized,and then the status and problems of personal finance business of Baotou Agricultural Bank analysis and combination of the actual situation and the national commercial banks personal financial business development model,Based on the theory of "family life cycle",the paper constructs the market segmentation of Baotou Agricultural Bank of China's individual financial needs to find out the main influencing factors.select and develop suitable for Baotou Agricultural Bank of personal financial business development program,and finally,the development of the implementation of the program to control the analysis and description,is conducive to improving its operational development capacity. |
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