On CCB's Personal Financial Planning Service

This article takes the practice of CCB's personal financial planning service as an example, combines mature pattern of management and running experiment of overseas banks, analyses the necessity feasibility tactics profit and risks of CCB and even every commercial bank developing personal financial service, and tries to find CCB's own pattern which accord with its actual situation and effective in practice.This essay consists of four parts. The first and second parts are on the history content peculiarity of personal finance and the history & present situation of overseas banking institution developing business of personal financial plan. The third part analyses the necessity and feasibility of the business of personal finance in accordance of the present situation and existing problems of domestic banking institution, and combining with the ICB's cases. The forth part introduces the present situation and history of CCB's personal financial business and analyses the necessity with CCB from the point of view of financial affairs. At the same time, it put forward an idea for solving the problems on CCB's personal financial business, and completes the basic design of it's business circuit.Although it demonstrates on CCB's business, the conclusion of this article is universal, which applies in other similar commercial banks. It has to be pointed out, due to present market environment, personal financial service provided by various domestic commercial banks is not the real financial service, but with featheropening of internal financial market, abolishing of restrict of blending operating and establishing of social credit system, opportunities and conditions are going to be mature for developing personal finance.At the same time, competitions and risks rise. As the forerunner of reform, it's necessary for CCB to pay attention to and prepare for it.