Research On The Development Of Personal Finances In Chinese Commercial Banks

Along with our country national economy keep on, fast, develop healthily, residents wealth of increment and modern finance managing idea strengthen, financial service needs also increasingly diverse, the finance takes charge of section propulsion, the finance turns the enlargement of strength deeply, interest rate, rate of exchange etc. financial market price the main factor leads the decision mechanism which turns into the market gradually, the bank carries on product innovation and service innovation constantly speed. Commercial bank personal finance managing business' opening an exhibition quickly is under this background of embody a concentrated reflection, and become the important means of the adjustment and business transformation of the development strategy of the commercial bank realization just and increasingly. The financial creative step of the our country commercial banks speed, for the financial consumers provide comprehensive turn, characteristic finance serve of personal finance managing business becomes commercial bank business the point of the development gradually, will also become the inevitable trend that each kind of commercial banks business expands .But, be subjected to the management system and financial market of the financial law system, finance to develop degree etc. of check and supervision, manage finance business at the local development will meet many new problems inevitably. How handle the problem in very personal finance managing business development carefully, raise commercial bank to the management level which manages finance business risk, strengthen to personal manage finance business to take charge of, strengthen our country commercial banks of competition ability is put at our country banking in front of important topic.This text says the commercial banks of the overview our country is personal foundation and development background which manage finance business first, to commercial bank of personal manage finance business to carry on a synopsis to say all, then personal present condition and future development trend which manage finance business commence from the our country commercial banks, analyzing it the check and supervision factor in the development, and aim at these check and supervision factors, combine the actual circumstance of our country in drawing lessons from flourishing and national commercial banks to develop personal foundation which manages finance business advanced experience, put forward state owned commercial banks is personal development strategy which manages finance business.In view of frame and research method of thesis, this text elaborated personal theories foundation, development background which manage finance business first, then elaborated personal present condition and development trend and existent problem which manages finance business completely, replying strategy to particular problem summary at last; Substantial evidence and norm combine together, fixed amount with settle sex to combine together, follow statement present condition-discover a problem-put forward a counter plan of the tight logic carry on, is an article to follow the sequence and advance gradually, gradually thorough with attain textual research target.