Research On The Personal Financing Service Of Commercial Banks In China

"Not once was always far away, from this time on left you to benearer", this was a HongkongandShanghaiBankingCorp.(HSBC) advertisement word, itnearly has also refracted the foreign capital bank common aspiration.With the increasingly opening of financial market in China, personal financing services is becoming a competitive field in which all commercial banks can gain high profit. This essay try to analyses the present situations and existing problems of personalfinancing services, try to probe the causes and to present some practical suggestions,which is significant for Chinese commercial banks renewing service tenet and developing personal financing services.April 2, 2007 is of symbolic significance to the day and, since then, foreign banks in China have a Chinese-funded banks and the same legal status, to the Chinese renminbi deposit residents, loan business. Previously, they could only agencies to provide services to customers. This means that they can eventually enter the great dream of the Chinese retail banking market.Personal financing services used to be called "individual finance service", and "the family managesfinances" and so on "to the private financial service". the developed countrylarge-scale commercial bank from by the corporate business primarily,changes the corporate business with to pay equal attention to the development in abundance to the private service, individual bankservice gradually became the commercial bank to realize the profitimportant channel, the whole world commercial bank personally managesfinances the service also to obtain the fast development, at presentmany international big banks personally are managing finances theaspect to promote the higher paraffin other wealth management (wealthmanagement) to serve.There are four parts in this thesis:The first part is a general introduction of personal finance services. The second part summarizes the advanced operation of foreign commercial banks and the shortage of Chinese commercial banks by comparative analysis. The third part, analyzed our country commercial bank personally tomanage finances the service reality existence question. Fourth part, also is this article key point, proposed our countrycommercial bank develops personally manages finances the serviceseveral mentalities.