Research On Development Strategy Of ZY Commercial Bank's Personal Financial Service

With the rapid development of market economy in our country,ettectively promote the capital market and the rapid growth of the financial industry,and at the same time,increasing the national wealth accumulation,and the broad masses of people urgently need to be idle fund to invest in order to obtain more profits,so this background,the financial sector need to roll out their wealth management business,continuously improve their service level,to meet the residects' diversification demand,in order to gain more market share.In order to gain more financial services,commercial Banks must launch their own core competitive prodpcts,which can meet the needs of residents.Taking ZY commercial Banks as the research object,with its personal financial business as the research target,discusses how to adopt a more reasonable development strategy.First of all,the ZY commercial Banks and the current situation of personal finance business description.Secondly,using the questionnaire survey questionnairc design,through the selection of Zhengzhou area the area within the scope of relevant customer and bank internal staff investigation,on the basis of comprehensive analysis of the results of the survey,sorting and analyzing the existing problems,this paper found that the product structure,customer management,sales promotion,financial management and risk control problems,and find out the causes of these problems are lack of financial product innovation,imperfect finance customer management,backward traditional promotions,financial management personnel training does not reach the designated position,and risk control system is not sound,etc.Again,puts forward the future ZY commercial bank individual financing business development strategy,such as product strategy,customer relationship maintenance strategy,promotion strategy,people management strategy and risk management strategy,aims to provide guidance for the development of the bank's personal finance business.Finally,put forward the ZY commercial bank individual financing business development strategy implementation safeguard measures,such as strengthening product development and innovation,increase the intensity of individual wealth management product market promotion,speed up the high-end financial talent introduction and optimization of personal financing business service concept,in order to guarantee the smooth implementation of relevant development strategy.This paper intends to solve the problems faced by ZY commercial bank its personal financial business by studying the development strategy of ZY commercial bank,and formulate the future development strategy and implement safeguard measures.At the same time,it also tries to provide reference for the development strategy of other commercial banks personal financial business in China.