The Combination Of Consumer Financial Product Design And Consumption Scenarios Of Commercial Banks

In recent years,China's economic growth pattern has been transformed from investment-driven to consumption-driven,and the future will continue to focus on economic development.Therefore,the mass consumption demand presents the characteristics of diversification,individualization and entertainment.At present,as the main force of mass consumption,the post-80 s and post-90 s have accepted advanced consumption and brought such consumption concept to their families,affecting the consumption view of family members.Diversified consumer financial products have a considerable fixed consumer group.At the same time,financial Internet technology have been matured and can provide technical support and payment environment for small and high frequency credit services.Moreover,the Chinese government has been committed to the development of the via different means to establish a good financial policy environment,for example,in 2016,"G20 digital senior inclusive finance principle" proposed "multimodal modes to pursue better financial ecology and reduce financial service",to further promote the market development of consumer financial products,in order to promote the sound development of China's consumer finance laid a solid foundation.This paper studies the design of consumer financial products in commercial banks,and takes Huaxia Bank Zhengzhou branch as a case study.It uses literature review method and data analysis method to do research,and takes the theory of consumer financial product design of commercial banks as the theoretical basis of this paper.This paper analyzes the market supply and demand of commercial banks' consumption financial products,and then points out the shortcomings of the combination of consumer financial product design and consumption scenario of Huaxia Bank Commercial Bank,and finally puts forward the corresponding solutions and countermeasures.It is hoped that this study can promote the combination of commercial banks' consumer financial products and consumption scenes.