Contrasting And Researching Financial Service Of Bank Of Communication With Other Banks

With the advent of the first bank financial products in 2004,the bank's financial products began to develop in full swing within 12 years,and the bank's wealth management business income accounted for more than 30%of the total bank income.However,in the design of financial products,often only part of the bank to design a qualified product,product optimization and other aspects of the ability to be stronger than other banks.Faced with the growing consumer demand,consumers also look at the wealth of financial services,financial products in the same income conditions,financial products and services to become the bank to obtain profits and customer key.In addition,China's commercial banks to provide financial services,poor quality,less capital,financial products,lack of innovation,can not be compared with these foreign banks.In this paper,through the use of literature review,qualitative and quantitative combination,vertical and horizontal comparative analysis and other methods,compared the development of domestic and foreign commercial banks financial products,to find China's commercial banks to provide financial products,services,shortcomings and deficiencies Proposed to enhance the domestic commercial banks financial products and services,innovative proposals.The article is divided into five parts.In the first chapter,the author introduces the research starting point of this article,the basic situation of the research at home and abroad,and introduces the paper frame and the research method,laying the foundation for the later research and analysis.The second chapter introduces the related concepts and theoretical basis of bank financial services,and defines how commercial banks can improve financial services.High-quality banking services should include the following:rich financial products and services,safe and efficient business standards,good customer relations,high-quality external services,responsive,safe and reliable electronic banking.The third chapter analyzes the status quo of the development of financial services in domestic commercial banks,recognizes the advantages and disadvantages,and reformes and promotes the current situation.The fourth chapter compares the financial products and financial services of domestic and foreign commercial banks,compares the financial products with how to improve the financial products,how to improve the financial services.In the fifth chapter,according to the previous research,analysis and comparison,the paper puts forward the strategy of enhancing the financial banking service.