The Research On Personal Finance Service Of China's Commercial Bank

Since reforming and opening, China's national economy is increased by rapidly. As residents rising personal income levels, people's willingness to invest and modern financial management concepts are gradually increasing, and increasingly diverse demand for financial services. Personal Financial Services has become China's commercial banks to open up an important area of business and commercial banking, Personal Financial Services has a broad prospect and huge market space. The conduct of the business, not only the growing population needs financial investment, but also expand the bank's business services for the bank's profit growth has opened up new space.However, at present China's commercial banks personal financial business still in its infancy, personal finance business to be enhanced. Comprehensive development of China's commercial banks to Personal Financial Services, increased financial strength and innovation of product development pace for individual residents to provide quality financial services, has become China's commercial banking business development in an extremely urgent research topic.This article take "the customer risk by chance" as the master line, the utilization life cycle and the investment profolio and so on related economic and the finance study theory, uses microscopic research techniques and so on analysis and macroscopic analysis, comparative analysis, has carried on quite thoroughly the discussion and the research to our country Commercial bank's individual managing finances service, carries out this provision of service related decision-making basis by the time to the Commercial bank.First, this article inspected China's Commercial bank individual managing finances service development present situation and the question, points out China's Commercial bank, although from aspects and so on policy, idea, pattern has established has developed individual managing finances service the direction and the breakthrough point, but compares with the international standard also has the big disparity. At the same time, in managing finances aspects and so on product design and marketing also has the problem which many urgently await to be solved.Next, this article has analyzed individual managing finances plan design, individual managing finances product marketing as well as the different risk manner from customer risk angle of view by chance to the investment profolio influence. Based on this, individual managing finances plan's design has carried on the related case analysis.Finally, this article has analyzed the systematic risk which the Commercial bank individual managing finances service faces and the non-systematic risk, and proposed the risk control related measure, so that the Commercial bank can obtain more incomes under the circumvention risk's premise from individual managing finances service, causes the investor while to realize by chance to reduce the investment risk fully.