Personal Financial Services Innovation Of Commercial Bank

Along with residence's desire tone up in the field of investment and financing, the demand on finance services appears increasing diversification. Finance admin. Department boost financing deepen strength's increasing, financing market price element of interest rate, exchange rate and etc., gradually bring mercerization's determinative policy, all financing organizations' business cross development and the trend of integrate management is daily distinctness, the innovation on products and services made by bank is continuously expedite. The speedy grow of Commercial bank's personal financing operation is the centralized reflection under this background, and which has became the important measure for commercial bank to achieve their development strategic adjustment and operation transfer. Financing innovation's speedup of commercial bank in domestic, to supply competitive, individual financing services to customer are gradually becoming the keystone of commercial bank's business development, and which shall definite be the trend for all kinds of commercial bank to develop business. But due to restricted by finance law, administration system, market developing level and other aspects, the innovation of domestic personal financing operation will inevitably meet lots of new issues. How to appropriately solve those issues, and improve the management level on risk control in financing of commercial bank, strengthen supervision on financing operation are the important task that our commercial bank is facing.Through the developing status contrast between domestic and abroad personal financing operation, this article analyzed domestic commercial bank must confronted market environment, the matter will be occurred while they developing personal financing operation and our bank's shortcoming compared with abroad commercial bank in the same field, pointed out the main issue that exist in our commercial bank's personal financing operation and our main impediment while make innovation, illuminated the main content and proposed countermeasure advice on innovation of personal financing operation, and hope this could benefit our commercial bank to develop personal financing operation.