Research On The Development Strategy Of Yinbao Business In Changsha Branch Of Minsheng Bank

With the establishment and deepening of market-oriented economic system and the accumulation of household wealth,the demand for personal and family financial management has been increasing.The agent insurance business in the personal financial intermediary business is an indispensable part of the asset allocation for the customers in the personal financial services of the bank because of its irreplaceable financial security and leverage.It also plays an important role in attracting high quality and high-end customers,expanding market share and increasing business profits.Gradually appearing.In recent years,with the tightening supervision of the Banking Regulatory Commission and the Banking Regulatory Commission on silver insurance business,the development of banking banking in Minsheng Bank has been significantly impacted,and the development of its silver insurance business has encountered a bottleneck.Therefore,through the analysis of the existing problems in the development cooperation mode of the bank's banking insurance business,it is of great significance for the development of its silver insurance business to develop a scientific and effective development strategy for its silver insurance business.At the same time,it also has a strong reference value for the development of banking banking business.First of all,the article combed and studied the current literature on banking insurance business.On this basis,the definition,connotation and related concepts of banking insurance business were defined,and the related theories of silver insurance business were analyzed and studied.Secondly,on the basis of literature review and theoretical analysis,the article collected the data of 2012-2016 years bank of Minsheng Bank Changsha branch bank insurance business,using the method of case analysis to make a detailed analysis of the current situation of its development of silver insurance business.Then,the paper investigates the specific problems of the banking banking in Changsha branch of Minsheng Bank,and analyzes the results of the survey by the method of exploratory factor analysis.According to the results of the analysis,the banking insurance business of Changsha branch of Minsheng Bank is mainly in the service condition,There are some problems in marketing dynamics and product mix.Finally,according to the case analysis and the results of the questionnaire survey,the article obtained the goals and principles of the development of Changsha branch of Minsheng Bank in silver insurance business,the marketing optimization method,the improvement of service quality and the improvement of the silver insurance products.On the basis of theoretical analysis,the following optimization scheme is put forward for the banking insurance business of Minsheng Bank in Changsha branch:in the clear development goals and principles,we need to choose the key cooperative insurance companies,allocate the network resources rationally and establish the access exit mechanism,and the optimization of the marketing mode should focus on the optimization of the silver insurance products.Select,speed up the transformation of banking business design,strengthen the withdrawal mechanism of silver insurance products;improve the quality of service to improve the precision target customer marketing strategy,continue to excavate the potential of the high-end customers,optimize the customer service strategy,carry out the education of customer service consciousness,and do a good job of enterprise culture.