Firstly , a detailed comparison and analysis will be made in its history as well as among the same trades there . meanwhile , great attention will be paid on the analysis of the structure of individual banking business and customer structure 首先,对j银行简阳支行及其个人银行业务,从自身的纵向发展和当地同业的横向对比进行了详细的比较分析,重点对个人银行业务结构、客户结构等进行了分析。
Therefore , how to keep and expand groups of the low - risk and high - returns customers and achieve maximum profit through offering customized service has become a key to developing personal banking business of state - owned commercial banks 如何留住优质客户，并不断扩大优质客户群体，为优质客户提供差异化、个性化的个人金融服务，满足客户的需求，从而实现国有商业银行价值的最大化，是发展国有商业银行个人银行业务的关键环节。
As the leading commercial bank in china , ccb provides a comprehensive range of commercial banking products and services including corporate banking , personal banking , treasury operation , as well as a wide range of products and services , such as infrastructure loans , residential mortgage loans and bank cards 中国建设银行是四大国有商业银行中首家上市的银行，在中国市场处于领先地位，主要经营服务包括公司银行业务、个人银行业务和资金业务，多种产品和服务（如基本建设贷款、住房按揭贷款和银行卡业务等） 。
Mainly include personal liabilities business , personal loan business , personal pay to settle accounts the business and act for the business , the electronics bank business with personal investment and finance business etc . . the personal banking operation is one of the main operations of the commercial banks . it has an important function in impelling the development of social economy and making the economy benefits of the commercial banks maximum ; it inducts citizens investing and financing ; it promotes the country to reach the requirements of the positive financial policies ; it is a magnitude means to increase the abilities of competition for banks ; it is an approach for banks to improve the level of payoff and it is also one of the important part in social activities which is incapable lost 主要以建设银行烟台分行的个人银行业务发展为研究背景,通过烟台建行与同城其它商业银行的横向比较以及自身业务发展的现状分析建行个人银行业务发展中存在的问题与不足,结合近几年来建行的机构改革和考核机制的变化,通过对建行基层营业机构的个人银行业务经营措施和建行个人客户对金融机构的业务需求进行了广泛的调查研究,从个人负债业务、个人资产业务、个人中间业务三个方面对烟台建行个人银行业务的营销措施和风险防范措施进行了透彻的分析研究,得出了新形式下烟台建行个人银行业务发展应采取的经营策略。
According to the analysis of the history of jianyang branch and the comparison of the levels of the contemporary financial business , the research about the identification of development and the strategy individual banking business will be developed based on the related theory of market consumption . and finally , a reasonable strategy will be given 通过对j银行简阳支行业务历史发展分析,以及当地区域经济发展状况和金融同业发展水平的比较分析,并运用市场营销相关理论等对j银行简阳支行的发展定位和个人银行业务发展策略进行了研究,提出了合理的对策。
And then , the essay will classify the customers of individual business analyze its market at all levels , its characteristics and motivation . based on these analysis , due to the different demands of the customers , different strategic combination will be researched to satisfy the rich , the medium and the ordinary , constituting the whole strategic distribution of consumption 在此基础上,针对确定的分层次的细分市场客户群的需求差异,分别研究了适用于富裕客户、大众富裕客户和大众客户的分销渠道组合策略,并对j银行简阳支行个人银行业务分销渠道建设提出了建设性意见。
