A Study Of National Commercial Bank Personal Financing Business And Products Innovation

Commercial bank personal financing business has been developing ten years more in China, but it is highly respected by the bank and accepted by the resident in resent years. Following the policy of reform and opening up deeply and the regular realization of WTO agreements, market economic system consummate gradually, capital market gain deeply development, financial products come out more and more , resident total income rise in a big range, good economic surroundings provide a stable base for the commercial bank personal financing business ,but we must know clearly that national commercial bank personal financing business are in the primary phase, and facing kinds of difficulties and challenges, how to make good use of existing resources ,learn foreign theories and practice experiences ,and find Chinese solutions to develop commercial bank personal financing business is an assignment in long term .The first chapter is exordium which introduce the research background and significance ,thesis structure and research method ,innovation; The second chapter introduce personal financing business concept,content and principle in theory, trying to make clear of personal financing business; The third chapter describe three phases of national commercial bank personal financing business developing accompany the national economic development, 1978-1994 bud phase ,1995-2002 establishment phase, 2003 till now primary phase ,which help to make general knowledge of national commercial bank personal financing business ; The forth chapter analyze the status of national commercial bank personal financing business and conclude the active factors of the capital market general developing well ,resident income capitalized trend obviously, meanwhile, finding out the existed problems in national financing policy,commercial bank selves and customers; The fifth chapter analyze American and Japanese personal financing business development situation,specialty and experiences and the inspiration to us .The sixth chapter combine the above theory, praxis situation and abroad experiences, pointing out several efficient solutions from national macro policy to bank financing products innovation,bank interior net conformity and staff improvement , valued customer management etc, which make sense to accelerate the national commercial bank personal financing business .The seventh chapter is the conclusion of whole thesis.