The Research On The Business Of Management About Personal Financial Services Of The Commercial Bank In Our Country

Personal financial management is the process that commercial bank helps its customer to realize his goal by utilizing his own financial resource. The commercial banks analyze the customer's financial data such as income, expenditure, assets, debt, insurance, cash flow, and assets value, consider various kinds of financial goals of the customer's synthetically, and carry on the test of customer's risk partiality and adjustment of investment combination in order to help the customer make individualized financing plan, recommend the financial product, provide finance management report. The personal financing is a new bank business rising in 1980s,it first appeared in American, then spreaded abroad in some developed countries 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..Along with our country national economy, is continually fast, healthily develops, inhabitant's investment wish and the idea of modern finances management becomes strong, the financial service demand also day by day diversifies, personal financing business will be a key point in the total development of commercial bank. But individual financing business in the western developed country nearly penetrates into each family. Personal financing business becomes the west commercial banking domain constituent. Under the financial innovation tide impact, since the 20th century 70's The west commercial bank's personal finance management service has obtain the fast development. In the past two year, the American banking industry personally finances management service every year average rate of profit has reached as high as 35%, the annual mean profit rate of increase reaches from 12% to15%. Many domestic commercial banks have provided the personal financing business one after another since Shenzhen,Guangzhou Industrial Bank first originated in 1996,till now, almost all commercial banks have provided corresponding kinds of this business, the personal financing business is becoming a focus and zenith of commanding in financial field.An the bases of the retrospect that is the track of the retail personal finance management, which is presented in a nutshell; it expound the concept of personal finance management which make by many institutions and associations inland or overseas, and it gives the new confine. It emphatically described that under the new start ,namely after the success of the shareholding system reform ,especially in the face of the circumstance of foreign banks in our country with regard to this business what has done. It has analyzed the problems of the Chinese banks about the personal financial management business which has start in our country.The thesis compares the circumstance of personal financial management inland and overseas and point out the common characteristic, states the respective characteristics of the developed regions; the statement of this business which the foreign bank expansion in our country .The new start of our commercial bank with regard of this business .The four Premises of the development about the business of management about personal financial services of the commercial bank: management environment with the commercial bank has changed, the development of personal financial management is the requirement of existent and also the way to enhance the competition ability and try for greater space ;the growth of the macro economic establish the base for the development of personal financial management. The form of wealth stratum provides the diversified need for the finance market and establishes the base for the development of personal financial management; huge market need and the earning disparity cry for the commercial bank to develop the personal financial management.The business of management about personal financial services of the commercial bank in our country is in the initial stage, so it has many problems. The risk is analyzed from five aspects, namely manipulation risk,the credit risk,the market risk,the law risk and other risks. Factors restraining the development of business: rationality about the stratagem, the account open hurdle does not fractionize and the insufficient of the financial management master and the consultant.Against the problems of the business of management about personal financial services of the commercial bank the thesis brings forward the advices .regarding the risk problems it brings forward four advices : establish the law system, under its instruction make supervise to the business .the advices to the management : do well market fractionize,choose the target marker,choose proper marketing channels; Introduce the CFP Cultivation personal financial management master and full time financial management client manager.