Probing The Personal Financing Business Of Commercial Bank Based On Analysis Of The Business On Domestic Demand Market

With more and more intensive competition in commercial bank industry in China and great increase of free personal savings, Personal Financing business has become a dominant business of Commercial Bank of China. Personal Financing Business is a low cost and risk but very profitable business of commercial banks. There is great, potential and booming market for this business, however, the fact that finance industry is becoming more and more independent of media has become an negative impact on the commercial banking industry. Therefore, Great importance should be attached to Personal Financing Business, where non-interest revenue of Commercial Bank of China will be increased as well as its competition in the banking industry.This dissertation fully explains the concept and understanding of Personal Financing Business, mainly illustrating the demand market of this business in China, giving detailed analysis on individual cases, introducing four innovated products of the business, and laying out the proposal of development of Personal Financing Business of Commercial Banks in China based on the information of current situation of that in USA, Taiwan and China Customer-centered business principle, market-oriented business strategy, and customized service are keys to success of the business.There are 4 chapters in this dissertation:Chapter 1: Introduction of Personal Financing Business of Commercial Bank and the information of that in USA, Taiwan and China.Chapter 2: Probing the Personal Financing Business of Commercial Bank in China based on analysis of the business on domestic demand market; Studying the customer demand based on the marketing survey questionnaire designed by a Bank of China of certain city and the outcome of the survey; Illustrating the business situation of Commercial Bank comparing to that of Bank of China. Demonstrating four innovated products of the Personal Financing Business of Commercial bank of China: Trust, Asset Securitization, China Depository Receipt, Collateralized Debt Obligation.Chapter 3: Giving detailed analysis on individual cases of financial planning of professional singles with good income, family with reasonable income, family with rich income as well as that of senior citizens. Demonstrating the difference of the financial planning of different group of customers.Chapter 4: Proposing the development of Personal Financial Business of Commercial Bank of China,and the business operation outline of them.