A Study On Individual Assets Management In China's Commercial Bank

With the continuous, rapid and sound development of China's economy, the residents have improved the awareness of modern financing and shown strong interesting in investment. As a result, the financial services are diversified; Individual Assets Management is becoming a key sector for commercial banks. From the macrocosmic, microcosmic, academic and practical angles, the present thesis starts with the discuss on market environment and issues Chinese commercial banks are facing during the developing process, as well as contrasts compared with foreign commercial banks in the same operations. Through systematical analysis, it aims at expounding how Chinese commercial banks take measures in the face of the market opportunities and challenges.There are four parts in this thesis:The first part is a general introduction of personal finance services, including general theory of personal finance business, the process of development and objectivities to develop personal finance business for commercial banks.The second part summarizes the advanced operation of foreign commercial banks and the shortage of Chinese commercial banks by comparative analysis.The third part reviews the market environment of personal finance services, including macro market environment and analysis on market demands. It also analyses the problems existing in personal financing business and their reasons.The forth part which is also a crucial part of this paper, presents some suggestions and measures for China's banks in personal finance services.The new idea and innovative point lie in the following: under the guideline and direction of the modern finance and management engineering theories, it has set up the Individual Assets Management system, including some macro-subsystems and some micro-subsystems. The author uses the small Individual Assets Management business as the tool and media to mirror and magnify the big financial world becauseall information related has been touched and contained. The author believes that this research is valuable and will be helpful for the managers and practitioners of Chinese State-owned Commercial Banks. It really works.