The Study On Marketing Strategy Optimization Of Intelligent Ponsion Financial Products Of Icbc Qinhuangdao

In the context of the current aging population,China will face the severe challenges it brings for a long time.To cope with the aging of the population can not be separated from the role of financial media,which gave birth to the field of pension finance.Driven by data and technology,Internet and financial technology will achieve more rapid development in the future,and will also promote the financial industry to create new business models,so that the goals of both the supply and demand of pension service financial products are more consistent.Therefore,the development of the old-age financial industry has become an important issue for the current banking industry in China.Based on this,this paper aims to summarize the research status of domestic and foreign pension financial theory,use the marketing strategy theory,combined with the business practice of Qinhuangdao industrial and Commercial Bank of China,analyze the marketing environment of intelligent pension financial products,draw the marketing strategy and put forward the safeguard measures.The conclusions are as follows: starting with SWOT and other analysis tools,this paper concludes that the performance appraisal system of Qinhuangdao industrial and Commercial Bank of China should be strengthened Optimize the business process and increase the support of resources as the marketing guarantee.By clarifying the market positioning of comprehensive services for urban and rural areas and providing comprehensive financial services for the elderly,we will gradually establish a comprehensive financial service system for the elderly with urban elderly customers and high-end elderly customers in rural areas as the target market customers.And through 7PS analysis,the marketing strategy of Qinhuangdao industrial and commercial bank's pension financial business is put forward.Establish a comprehensive pension financial service system based on social pension services,which provides corporate annuity,account annuity management and custody services for public households,including a diversified product system of housing reverse mortgage,Internet + consumer products,investment value-added financial products and consulting services.In addition,it is necessary to establish personnel strategy,tangible display strategy and process strategy.Comprehensive means to strengthen pension financial products and services,so as to provide feasibility for the customer experience end of pension financial services from a micro perspective,enrich the theoretical results of pension finance,promote the common concern of all sectors of society,and promote Qinhuangdao industrial and commercial bank to make greater contribution to the development of Pension Finance in China.