Study Of Business Strategies Of Developing The Personal Financial Services For The Commercial Banks

Already the past 2004 years, considered being a "financing year". Many about financing words mirror the public eyes again and again, such as financing center, products sell, financing popular word evaluating, financing commenting, structural deposits, etc. In this upsurge, regional commercial banks put out each financing products one after another, open the luxurious financing centers & administrative centers of the wealth. Why every bank pays attention to the personal financing, the reason is under the double pressures of outside replacement and inside competitor, the traditional deposits the loans'profit makes smaller and smaller, the existence pressure of the bank is greater and greater, the bank has to seek other profit modes in order to get better development.At first this text reviews the development of the international banking. Under the influence of economic globalization, the development of information and technology, the modern commercial bank demonstrates its international and comprehensive development trend. And the businesses of personal financing become a piece of very important products, improve the survival ability and become the most important weapon of profit ability in the new economic era bank.The second part has recommended American and Hong Kong areas launch the origin of the business of personal financing and development trend. From their experiences we can get very important suggestions for our financing development. This part also clarifies the choke points & disadvantages of our personal financing development, and the reasons for these problems.The third part has explained Potter's competition theory launches the directive significance of the business of personal financing to the bank; suggest that the bank must use the difference competitive strategy to develop...