X Bank Personal Finance Business Scheme Optimization Research

With the rapid development of economy,the continuous improvement of people's living standard,investment finance have quickly entered the common people's life also began to constantly competed developing business between Banks,such as funds,insurance,etc.More and more people have developed a keen interest in personal finance.The bank's personal finance business has entered an explosive growth stage.In the past,many traditional financial services companies have been hit hard by the lack of retail sales.Today,wealth management products are increasingly complex,and the number of customers investing in wealth management products is increasing year by year.As the profit of personal finance bank increases year by year,personal finance business is consolidated and developed.With the continuous improvement of China's economic level,the income of the broad masses of people is also increasing,and there is a fierce competition in the financial circle.Residents also further enhance the financial management consciousness and financial concept,at the same time,the Banks of our country gradually shift to commercial Banks and in continuously strengthen,on the one hand,in order to meet the demand of the market,the rise of personal finance business to promote the development of commercial Banks,on the other hand,the development opportunity also prompted the increasingly fierce competition between commercial Banks,many Banks want to through this space for oneself seek improvement.Although individual financing business development in the future is so bright,financing business is still in the stage of just development in our country,and from financial regulations,governance and market,and many other constraints,in the personal finance business of rapid development at the same time also produced some problems due to rapid development,these problems also need to be solved.Through qualitative analysis,literature research and survey analysis,this paper is related to the personal finance business of X bank.This paper analyzes and studies the development status and existing problems of the personal finance business of X bank.The analysis of various aspects points out its defects.Combined with the development of China's financial market environment,storage from X bank customers,detailed on the development of bank personal finance business,from risk prevention management,financial management,customer management and maintenance products began to put forward the corresponding improvement and optimization of countermeasures,to promote the development of X bank personal financial business,to make it keep competitive advantage in the fierce market competition.Finally,this paper puts forward the corresponding safeguard measures from the aspects of cultural brand,organization,system and resources,so as to ensure the smooth implementation of the personal finance business development strategy of bank X.So,this article from the concept of our country commercial bank individual financing business development,product characteristics,these three aspects are introduced,and then to concern exhibition began to analysis,to explore how to solve these problems,then on the future development of personal finance business related,to promote the development of X bank market to have certain reference significance.