Research On The Evaluating Index System And Method Of Commercial Banks Personal Financial Products

Nowadays, with the accelerative economic transformation, fast development of capital market and increase in the people's private wealth, the private financial planning has gradually become the most important one in the commercial banking business.However, compare domestic personal financial services with foreign banks, our financial services started late and the related research,including the design of products, technique of development and operating of management and etc., are all fall behind abroad. On one hand, in the financial market, lots of investors facing so many products can not make their choices while without a standard design for different products. On the other hand, in the informal market, the commercial bank how to enhance the products competed ability is still an urgent thing.In order to settle the above problems, we make an in-depth analysis of personal financial services of domestic banks compared with overseas and the features of the products. And then, research on standards, procedures, steps of it's evaluating index system and build up an index system which can reflect the comprehensive competed ability of personal financial products . While choosing the evaluating method, we analyzed the general methods which can be used to evaluate common products ,and put forward the commercial bank's personal financial product evaluation model which based on fuzzy comprehensive evaluation method. In addition, this text uses the model to evaluate the two present typical personal financial products,and analyzes the evaluated results by comparing analysis.This study aims to build up an evaluating index system of commercial banks personal financial products ,and evaluates its comprehensive competed ability by fuzzy level comprehensive evaluation. For one thing , it can help investor to judge the financial products; for another things, we expect the indicators and evaluation system would be helpful for the commercial banks to recognize the properties of the financial products and be beneficial for the future development of personal financial services.