The Analysis On The Differences And The Reasons Of The Differences Of Personal Banking Business Of Commercial Banks In China

Nowadays, Personal Banking Business has become more and more important. Commercial Banks in developed countries are focused on changing the implementation strategy and occupying Personal Banking Business market. Personal Banking Business is turned to be the major source of profit in Commercial Banks in developed countries. In our country, Personal Banking Business is still in its infancy. Commercial Banks in our country are aware of the profitability and tremendous potential of the Personal Banking Business and change their keynote to the Personal Banking Business. However, there is still a great gap on Personal Banking Business of the Commercial Banks between in china and in other countries. Especially, there are many differences of the Personal Banking Business in different Commercial Banks in our country. It is valuable for expanding Personal Banking Business of Commercial Banks by researching the reason of the differences.This dissertation analyzes the differences of the Personal Banking Business and researches the reasons of the differences of it in different Commercial Banks in our country by Comparing Analysis and Empirical Analysis. This dissertation analyzes the differences of the Personal Banking Service and researches the reasons of the differences of it in different Commercial Banks in our country, then gives some proposals to expand Personal Banking Business from four parts. In the first part the dissertation gives an overview of Personal Banking Business. It explains the connotation, extension, classification and characteristics; then it describes the theoretical bases of Personal Banking Business, which are The Real Bills Theory, Negotiable Theory, Theory of Expected Income, Liabilities Theory, Super-Money Supply Theory, and some other related theories. In the second part the dissertation analyzes the develop-level of the whole industry and the differences of the Personal Banking Business of different Commercial Banks in our country.In the third part the dissertation explains the reasons of the differences by using Empirical Analysis. In the fourth part the dissertation gives some proposals to expand Personal Banking Business according to the results form the third part.According the analysis, the basic reason of the differences of Personal Banking Business of commercial bank is that the ownership structure is different in the different Commercial Banks. The State-Controlled Commercial Banks has many advantages in developing Personal Banking Business, which are the time of the formation, the number of business structures, the policies and the scale of asset. The different development concepts and the different strategic focuses are also important reasons. In addition, the psychological factors of individual consumers and the Bank's credit rate are the factors that caused the differences on Personal Banking Business of different Commercial Bank. At the last, this dissertation gives some proposals to the State-Controlled Commercial Banks and the Joint-Stock Commercial Banks.