Status Judgement And Strategy Choice On Developing Personal Financing Business Of Civil Commercial Banks

Personal financial business is the focus of competition among the local and foreign bank after entering WTO. At present, civil personal financing business starts barely, and there will be a great market. Every commercial bank has been cognizant of its essentiality and necessity. Via fractionizing the client market, step by step increasing finance content, upgrading service quality, personal financing business of civil banks will gets into its stride and soars most prosperously ever.But compared with foreign commercial banks, the development of civil commercial banks' personal financing business is set back by the current financial scene and financial management system, plus the limitation of its service targets,the inadequacy of business management system, creation of the products and services, individual quality, etc.The author has been engaged in personal customer service and personal financing business since college graduation, also, has witnessed the development of civil commercial banks' personal financing business during recent years. Via exploring the background and current situation of the development of domestic and foreign personal financing business, the author is trying to analyze the features of foreign commercial banks' development and the major problem when civil commercial bank doing personal financing business. Tactics and suggestions which currently suit the development of personal financing business of civil banks are also proposed.The author believes that the competition of personal financing market, in the final analysis, is the competition of personal financial services of commercial banks. Providing the personal financing services systematically and in an all-round way will be the key point for the success of personal financing business of civil banks. Hence the construction of personal financing services system will be an important issue for civil commercial banks to solve. As far as the maturity of civil financial scene and market are concerned, commercial banks should adjust the internal management system promptly according to the financial demand of civil individuals and step by step build and perfect the service system of personal financing business.