Research On The Development Of Personal Financial Services To The Commercial Bank

Since reform and opening up, people's income has increased substantially with the development of economic. The people's perception of the growing demand for financial services increase fast, which means that personal financial business to the commercial banks has tremendous potential for development space. But the development of personal financial business to the domestic commercial banks far failed to keep pace with the demand of the world market. How to learn from advanced experience of personal financial business to the international banks with the actual situation in China and find the suitable development strategies of the personal financial business to the Chinese commercial banks is a pressing need for research topic to make the personal finance business be bigger and stronger.Based on my personal financial business of commercial banks for study, the author analyzes the necessity of develop a personal finance business to China's commercial banks in the process of emerging issues as well as commercial banks and the advanced international financial business experience. The author Seeks to clarify the personal financial services market which the China's commercial banks are facing as well as the opportunities and challenges that should be taken countermeasures.This text is divided into five components. In the first part, the author illustrates the concept of the personal finance business to the commercial banks and related overview of theoretical research. In the second part, the author analyzes the necessity of the development of personal financial business to the commercial banks from internal and external causes. In the third part of this text, the author analyzes the factor that has restricted the development of the personal financial business to the China's commercial banks in the macro and micro aspects. The author introduced the advanced experience of personal finance business to the foreign commercial banks, and detailed analysis of the examples of personal finance products in Part four. In the Part five of this text, the author aims at the existing problems of the development of China's commercial banks for personal financial business, learning from foreign experience, and raised development strategies for the personal financial business to the commercial banks from perfecting its internal operating mechanism and improving external environment aspects.