Research On Personal Financial Business Marketing Strategy Of A Branch Of PSBC

With the development of China's economy and the improvement of international status,China's gross national product has also improved qualitatively,and per capita disposable income has gradually become one of the key indicators to measure the comprehensive national strength.On the basis of the gradual balance of per capita disposable income in our country,the public has higher requirements for the improvement of quality of life and the preservation and increment of assets.However,traditional financial products can no longer satisfy the financial needs of citizens gradually increasing and requiring diversification.With China's accession to the WTO,the financial market is gradually liberalized,traditional commercial banks are facing the adjustment of industrial structure,it is imperative to further deepen the reform,optimization and development of bank personal financial business has become a new topic in the process of rapid economic development,has a very important role in promoting the development of personal financial business of the banking business.However,the personal financing business of China's commercial banks has just started,and has a large space for development.This topic explores the problems and difficulties in the development of personal financial services in commercial banks,and puts forward some suggestions.China postal savings bank to the postal savings business of commercial banks,the bank's traditional business is based on the personal financial business savings,in the start stage,did not form a large market size,especially in the first-tier cities is far from being compared with other commercial banks,the market share is low.According to statistics,Z city is the capital city of China,there are more than two hundred banks,and the market competition is high.X Z as a pioneer of reform,has a good financial environment for the development of Z,however,the postal savings bank A branch's personal financial business started late,there is a certain gap between regions and regions,different branches between the business ability is not consistent,and the gap between the larger competitors.However,in order to strengthen the development of personal financial business of postal savings bank A branch,to promote the all-round development of branch,leap to catch up,into the first branch and gain a foothold in the fierce competition environment,this is a very valuable research topic in theory and practice.This paper first introduces the personal financial business of postal savings bank A branch,analyzes the present situation of the marketing of personal financial business of postal savings bank A branch and the existing problems,through the comparative analysis of experience marketing of personal financial services of domestic and foreign banks,summed up the experience of the development of personal financial business of commercial banks in China,finally improved the recommendations of the proposed postal savings bank A branch personal financial business marketing strategy based on the theory of market segmentation,market segmentation and positioning of the personal financial business of postal savings bank A branch,and puts forward some suggestions to improve the postal savings bank A branch of product strategy,price strategy and channel strategy,promotion strategy,and put forward some measures to ensure the implementation of the marketing strategy of personal financial business of postal savings bank A branch.The main purpose is to propose a marketing strategy suitable for the personal financial services of the A branch of the postal savings bank and to solve the problems which restrict the development of the branch.