Personal financial services of commercial banks refer to professional services such as financial analysis, financial planning, investment consultancy and asset management. , which is provided by commercial banks to individual customers by taking advantage of outlets, technology, talents, information, capital and other financial tools.
In addition to providing general information consultation, we also use various financial management tools, such as savings, financing, bank cards, personal checks, safes, insurance, securities, foreign exchange, funds and bonds. And put forward a suitable financial plan to guide customers how to arrange their own income and expenditure, and realize their personal ideals and goals through the optimal allocation of personal assets.
In 2006, China Construction Bank began to implement task-based group customer teams throughout the bank, and the head office set up seven customer service teams. At the same time, 36 head offices and branches of the Bank will be promoted to provide comprehensive services to customers across regions.
Since then, the number of task-based teams has been increasing, the members have been enriched, and product departments, technical departments, risk control departments, domestic and foreign institutions and subsidiaries have gradually joined. Under the leadership of the Head Office, we will establish a "zipper" service system for important group customers and major projects, and realize all-round personal service from the head office, branches, sub-branches, customer headquarters to branches and then to upstream and downstream enterprises.
Extended data:
In 20 13, China Construction Bank helped CNOOC to complete two major projects: Nixon project acquisition and Curtis project capital increase, among which Nixon project set a record for overseas acquisition by China enterprises.
In 20 14, China Construction Bank, as the sole global coordinator of China Capital, assisted China Petrochemical to successfully issue US$ 5 billion international bonds. This is the first time that China Construction Bank has appeared in the global bond market as a global coordinator, and it is also a historic breakthrough for Chinese banks to break the monopoly and be on an equal footing with world-class investment banks.
In recent years, CCB has participated in nearly 30 major projects, such as CNR Africa project, China Nonferrous Metals Group Zambia project, Huawei project and ZTE Nigeria project, supported overseas syndicates, bilateral loans, bonds, trade financing and other businesses of "going global" enterprises, and accumulated hundreds of billions of dollars in financing, constantly breaking through the monopoly position of market leaders and establishing a new image as a world-class bank in the international market.
Baidu Encyclopedia-Personal Finance Business
China Construction Bank-People's Network: CCB actively provides comprehensive financial services to group customers.