Research On The Personal Finance Business Development Strategy Of ZS Bank

Since the last century 80 time after the implementation of reform and opening up,china’s economy got rapid development,national economic income level also across the times to achieve a substantial growth,which spawned more personal finance market demand,gave the domestic banking industry a brand new power,the industry as a whole xixiang-rong.However,as the domestic market becomes more and more open,relying on the marketing service idea,perfect system and strong funds,overseas banks have successively seized the domestic market,and the competition in the personal finance business market has gradually become white hot.Therefore,how Chinese banks should innovate their personal finance services in order to obtain more high-quality customers and achieve more revenue is an urgent problem to be solved.This study takes ZS Bank as a case,takes the development of its personal finance business as the research target,and analyzes how to implement a more scientific and effective development strategy.Firstly,this paper introduces the development status of ZS Bank’s personal finance business in detail.Secondly,the questionnaire method was adopted to carry out further investigation,designed a suitable questionnaire and selected some internal employees and relevant customers of the bank as the survey objects.After sorting out and summarizing the survey data,the corresponding survey results were obtained and the shortcomings were pointed out.The author found that the ZS bank in terms of personal finance business problems,such as the level of risk control,marketing,product structure,finance staff and customer management,etc.,and dig out the key reasons for these problems lies in the risk control system and customer management is not perfect,the traditional marketing way lag,low financial product innovation,financial management personnel training does not reach the designated position,etc.Finally,from the four dimensions of product strategy,personnel management strategy,risk management strategy and marketing strategy,we formulated the strategy to help ZS Bank’s personal finance business develop rapidly and healthily.In THIS paper,ZS Bank personal financing business development strategy after a series of research,the corresponding solutions are proposed for its current problems,and it is expected to provide a certain degree of beneficial reference for the development of personal financing business in other commercial banks.