| The personal banking operation means the commercial banks offer these services to individual clients that was constituted by deposit, providing a loan, payment and balance. 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. Following the obvious increase of individual share in social finance asset, the position of personal operation in commercial banks has changed gradually. It has changed gradually from hypotaxis position in the past to the conductive position now. Because of the good stabilities of personal finance asset, individual savings has been the important resource for the credit capital of commercial banks. At the same time, in terms of the orientation of providing the loan, Personal type lends money of throwing in and also occupying greater and greater proportion, Because the personal loan issues the corpus dispersion, the procedure of mortgage, assurance etc. is more complete, it consumedly lowered the loss risk of the loan, make a loan business become the good property business of the... |
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