Research On Personal Finance Business Development Of Bank Of China Zhengzhou G Branch

2004,China Everbright Bank took the lead in water personal finance business,launched the first bank financial products "Sunshine Financial Plan B".Subsequently,China's commercial banking business began to develop rapidly,financial products from scratch,financial balance from small to large.As at the end of 2017,the total amount of financial balance has been over 29 trillion yuan,the cumulative issue of 257,700 financial products,accumulated funds of 173.59 trillion yuan,for investors to create more than 400 billion yuan investment income,become an important asset allocation of investors,but also become a commercial bank's focus on the development of business varieties.As a large state-owned commercial bank,the Bank of China Zhengzhou G the personal finance business to develop rapidly.But compared to other commercial banks,the Bank of China Zhengzhou G branch of the financing business development There are more problems,especially by the government in the past two years of strong supervision,the branch's wealth management revenue in 2017,the first occurrence of the decline,and the decline of up to 37%,Therefore,it is necessary to study and analyze the development of financial management business of Bank of China Zhengzhou G branch.In this paper,the Bank of China Zhengzhou G Branch as the research object,with its own personal finance business team six years of work experience,collected the bank personal finance business development of the latest data,through data analysis,literature research,Case study and other methods of the Bank of China Zhengzhou G sub-branches Personal Financing business development status of the detailed analysis,including personal Finance business organization framework analysis,customer group analysis,personal finance business Sales analysis,the type of sale analysis,financial ability and management team building analysis of these five aspects,This paper puts forward a series of problems in the development of personal finance business of Bank of China Zhengzhou G Branch: One is the lack of innovation in financial management business,the income of two people to realize the low revenue,three lack of customer-centric service concept,four is the personal financial products sales process There are more risks,five is the poor quality of financial management team,and analyzed the cause of the problem.Finally grasp the existing problems,put forward the development strategy: that is,innovation of financial products and services,return to the source of financial management to do a good job of product equity transformation,clear market positioning to improve service levels,strengthen risk control to strengthen risk management,strengthen the construction of financial managers team these five major countermeasures.This article is the author in personal wealth management team work six years of experience summary,at the same time draw the domestic other commercial bank's advanced experience,in order to Bank of China Zhengzhou G Branch even domestic commercial bank personal finance business Development provides reference and reference,at the same time hope our country Commercial Bank personal finance business development,Be able to improve the structure of financial products,strengthen risk control,clear personal finance business development direction and so on more efforts to ensure that personal finance business healthy,sound development,and actively promote the "big retail" transformation.