Research On The Optimization Of Family Financial Services For C Bank In Dalian Branch

Since 2007,the number and scale of the financial and financial products issued by various banks in our country have shown an explosive growth,which has witnessed the overall prosperity of the capital market and financial market in China.C bank Dalian branch's family financial management business has also maintained healthy development.However,since 2015,the growth rate of indicators has slowed down significantly,which poses a formidable challenge to the family financial management business of banks.Based on the rapid growth of the annual amount of the assets of the large customer investment in the family financial business,the C bank's family financing business should set up the customer centered service concept from the perspective of the customer's family finance,and take the scientific banking financial business optimization countermeasures as the foothold,based on the optimization of financial services.The competitiveness of banks will ultimately enable the family financial services to achieve dynamic coordination and optimization balance in three aspects:scale,quality and efficiency.This study first describes the general situation,characteristics,current situation and future development trend of C bank family financial services.Secondly,from the perspective of family financial customers,combining the family life cycle theory and the portfolio theory,the Marco Weitz mean variance model and the questionnaire are used to analyze the optimal combination of family financing and family risk tolerance of different types of customers.Finally,according to the conclusions of the empirical study,the corresponding countermeasures are put forward to optimize the family financial management business of C bank Dalian branch.The research shows that C bank should establish a customer centered service concept,adopt different and targeted family financial services for family customers in different life cycles,and make a scientific and comprehensive optimization of the existing family financial services.This study not only contributes to the long-term development of the Dalian branch of the Bank of C,but also points out the direction for the development of other similar commercial banks,and has a certain reference value.