Research On The Development Of Personal Financial Management Business Of Postal Savings Bank Of China

At present,our country's economic development is fast,the income of our residents is increasing.People make all kinds of investment and financial management of idle funds.The residents are not only relying on the single financial project of saving,but tend to make more wealth with the surplus capital.In addition,the emergence of foreign financial institutions in the financial sector also poses a new challenge to our commercial banks.At the same time,the financial sector in China has been innovating,developing and reforming.In order to win enough market share in the future,commercial banks need to create new financial products for commercial banks.The profit of high commercial banks,therefore,needs to study the development of personal financial products of commercial banks in China so as to make the personal financial products create a new profit growth point for the bank,which can greatly improve the profit income of the state-owned banks in our country.This article mainly analyzes the development status of the personal financial services of China postal savings bank,as well as the lack of expert financial personnel,poor financial ability,weak service system,constraints of separate management,imperfect personal credit system,lack of characteristics of personal financial services,lack of marketing strategy and risk management.In order to solve the problems that are not perfect and so on,to solve the problems faced by China Postal Bank,this paper uses literature research and comparative analysis to find a way to solve the personal business problems of postal bank,analyzes the innovation and risk control methods of China Merchants Bank in personal financial products,and then analyzes the Industrial Bank in the personal financial industry.Through the analysis of the successful experience of the individual financial products of other financial institutions in China,the method of solving the problems in the development process of personal financial products of China postal savings bank is found.Financial management team,based on customers,make a lot of good job of financial services,and carry out multi-level financial education,create a financial atmosphere,constantly improve the credit system,innovative financial products,the establishment of a perfect marketing system of personal financial products,and the risk control ability of higher financial services.Find some positive suggestions for the future of physical and chemical development of Postal Savings Bank of China,and make development prospects for Postal Savings Bank of China...