Research On Personal Financing In Domestic Commercial Banks

The personal financing is a new bank business rising in 1980s, it first appeared in America, then spreaded abroad in some developed counties such as European and Asia countries like Japan,Hong Kong, now it has became a main business in first class banks all over the world, and influences the direction of the development in commercial bank and extensive operating stratagem.With the continuous, rapid and sound development of China's economy, the general public has raised the awareness of modern financing and show strong interest in investment. As a result, the demand of financial services is diversified. After joined WTO, foreign capital bank is entering into China finance market quickly, the personal financial business has become a competitive focus that these banks want to occupy and expand bank business in China. This paper studies the personal financing in commercial banks.The paper carries on the brief summary to the personal financial business of the commercial bank at first, then start with the current situation of the business of management of personal financial services of commercial bank and restrict factors, has analyzed,direct to the existing restrict factors ,on the basis of using the external commercial bank for reference and developing business advanced experience of management of personal money, combine the actual conditions of our country,has proposed the expand strategy of the business of management of personal financial business of commercial bank.