Study On The Innovation Of Personal Financial Service Of Commercial Bank Based On IT

One of the most important delveloping tends of modern finance is the combination between finance and IT.The traditional banking is turning to providing information,service and management from pure moneytary management.Banking is not a new industry and its demands is not added suddenly.But the adding investment on banking IT proves the developing mode of banking is changing and its products are innovated.This paper analyses how to use IT innovation in banking to put down the cost,innovating the personal fmacial service to strenthen the competency.How to innovate the personal fiancial service based on IT to satisfy the adding characteristic demands is the emphasis.Firstly it describes the financail IT effects on finance espeically on banking and analyses the personal fiancial service innvation space and path-dependence on IT with the impetuous development of middle business.Sencondly it disccusses the mechanism of personal financial service innovation, the mode of IT- push -and -characteristic -demands -pull and the choice of personal financial service innovation in commercial bank.At last,it discusses the realizing mode of personal financial service innovation and the examples.The new point of this paper is the mode of IT- push -and -characteristic -demands -pull and the choice of personal financial service innovation in commercial bank. All of the work is done for the system research on personal financial service innovation based on IT.