Research On The Personal Financial Services In Chinese Commercial Banks

With Chinese financial market being open the whole world, 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, Commercial bank personal finance managing business' opening an exhibition quickly is under this background of embody a concentrated reflection, and become the important means of the adjustment and business transformation of the development strategy of the commercial bank realization just and increasingly. But, be subjected to the management system and financial market of the financial law system, finance to develop degree etc. of check and supervision, manage finance business at the local development will meet many new problems inevitably. How handle the problem in very personal finance managing business development carefully, raise commercial bank to the management level which manages finance business risk, strengthen to personal manage finance business to take charge of, strengthen our country commercial banks of competition ability is put at our country banking in front of important topic.This thesis aims to identify the situation of personal financial services now in China and put forward suggestions on its development. At first, this thesis briefly summarizes the general situation of the personal financial services in commercial bank. Then the thesis defines the personal finance from different angles. After that, in order to clarify the topic of personal finance innovation, the thesis does a theoretical research introducing some important theories as lifecycle theory, investing combination theory, capital and asset pricing model theory, finance innovation theory on personal finance and so on. then personal present condition and future development trend which manage finance business commence from the our country commercial banks ,analyzing it the check and supervision factor in the development ,and aim at these check and supervision factors , In particular, under the influence of the financial crisis combine the actual circumstance of our country in drawing lessons from flourishing and national commercial banks to develop personal foundation which manages finance business advanced experience, put forward state owned commercial banks is persona strategy which manages finance business.