A Research On Personal Financial Service In Chinese Commercial Banks

Financial services demand has become more and more diversified, companied Chinese economic sustained and rapid development, and residents' assets increased quickly and the intuition of financing intensified. Financial supervision promotes finance reform deeply. Some financial price elements, such as interest rate and exchange rate, join into the market deciding system. Bank improves the product creation and service creation quickly. Commercial bank personal financing service's fast development reflects all these backgrounds, and becomes the main measure of strategic adjustment and business transfer to the commercial bank. Chinese commercial bank financing innovation improved quickly. It turns to be more and more important development point in commercial bank's business that providing integrated and personnel financing service, and also turns to be the trend for commercial bank to extend its new business section. But influenced by the financial law, financial management system and financial market development status, internal financing service development cannot avoid some new problems. How to proper solve the problem during handling the personal financing service, how to improve commercial bank risk management level, how to strength monitoring to the personal financing service, how to consolidate commercial bank competitive are the important issues to our banking industry.This thesis first introduce the overview of the development background of personal financial business, research meaning and theoretical basis, then briefly summary the commercial bank personal financing business. After that, analyze our commercial bank personal financing service business status by "SWOT" matrix analysis approach. Base on the foreign commercial bank personal financing service business experiences, author draws the available proposals for developing commercial bank personal financing service:-Set up a "personal financing service business system". This system would be set up inside the commercial bank and combine the five systems, such as personal financing service management system, full scope product system, integrated marketing system, technology support system and risk management system.-Make sure of "five changes" during the set up process for "personal financing service system". That means change solo banking service platform to integrated financing service platform, change common service to personal service, change homo-character service to band orientation service, change single network service to three-dimensional network service and change traditional product financing service to customer-oriented wealth management service.