Commercial Banks In China Personal Financial Services Development Research

With the continuous, rapid and sound development of China's economy, the residents have improved the awareness of modern finance and shown strong interest in investment. The demands of financial service are diverse. As a result, personal financing services is becoming a key sector for commercial banks. This thesis conducted a detailed analysis on foreign and local bank's personal finance business. It aims at on the one hand to help China's bank have a comprehensive idea on wealth management business, on the other hand to give them some helpful and practical suggestion on handling wealth management business.There are four parts in this thesis:Chapter I deals with the theoretic basis of the personal financing services of commercial banks, and outlines the way and content of the personal financing.Chapter II compares and studies the developing status of the business both home and abroad. It shows that the personal financing services in China is on the stage of beginning.Chapter III discusses the prospect of the personal financing services in China on the base of macro market environment and micro latent demand.The future of this business is bright.Chapter IV which is also a crucial part of this thesis, presents some suggestions and measures for China's banks in personal financing service.