On The Development Of G Sub-branch's Personal Finance Business

With the continuous and steady growth of China's economy,the wealth of domestic residents increases rapidly,and the concept of investment and financial management is deeply rooted in people's hearts.The majority of individual investors hope to maintain and increase the value of their own funds by subscribing to financial products.China's financial market supervision has been strengthened,and market competition intensifies continuously,forcing commercial banks to reform their business strategies,and changing from the traditional profit model of deposit and loan spread to the profit model of intermediate business.Therefore,personal financial products belonging to personal financial business have become the key link of business model innovation and reform.The "era of big assets management" has brought many opportunities and challenges to the development of commercial banks' financial services.Now entering the era of "strong supervision",financial services are gradually returning to rationality.Commercial banks' financial services must be reformed and innovated to seek transformation and breakthrough.This paper takes G branch as the research object,conducts a systematic analysis of its problems in personal finance services,and puts forward corresponding countermeasures and suggestions based on the actual situation.Firstly,this paper briefly describes the background of the topic and introduces the theoretical basis used in the research.Secondly,the paper briefly describes the development strategy and organizational structure of personal finance business of G sub-branch,and makes a comprehensive analysis of its scale,product series structure and income status.Thirdly,it points out the problems in carrying out personal finance services in the actual work of G sub-branch,and analyzes the problems in three aspects,namely,the performance of problems,adverse effects and causes of problems,such as the rising risks,serious homogeneity and weak management ability of personal finance services.Finally,by using the method of theory with practice,aiming at the problems above,mainly from the strengthening risk management,take the differentiation competitive strategy,improve the three aspects of the business management ability,put forward concrete suggestions for G branch countermeasure,to promote sustainable development of the G branch personal financial business,occupy a favorable position in the financial product market competition.