Development Of Residents' Financial Needs-based Personal Financial Services

With the continuous opening of financial industry of China and the financial internationalization, to develop individual financing business has already become the new point of growth of commercial banks. Current researches on individual financing mostly focus on the present condition and problems, while few analyze the residents ' needs, lack the positive research; At the same time, also few analyze the inborn shortage and origins of China individual financing. In fact, this shortage puts doubtless the higher request to personal financing of local bank, That is how to guide Chinese financing service to follow the maturity. Therefore, to research and control needs of customer to the financing and how this kind of need manages finance the influence of the business direction to the bank, seems to be as importance. The finance plan service of the high quantity is financial flourishing and important marking in a nation, is citizen the wealth modernizes the management of a basic way. This paper makes empirical analysis according to the questionnaires of the individual financing in Xi'an. The text usage logarithms line model to carry on the substantial evidence analysis towards affecting the residents, the investigation changes of the quantity to hand over with each other whether effect shows valid or not, then announce to public this kind of to hand over to relate to the output reason with each other.From the study, we find that residents in Xi'an have the financial demands, but families with high income and educational background need better financing services than what the local banks can provide. This explains the local commercial bank has not yet attained the high level of financial service, needing to further enhance financing product and service level; At the same time the local finance managing market leave real mature still need a period of time, commercial bank the one who need to work well the local financial market reform in advance, hold personal direction of finance managing completely, break through the obvious check and supervision personal finance managing the space that business development; Build up the valid organization and circulate the mechanism, appoint and develop to have the financial talented person of professional knowledge and the high character of the technical abilities of finance managing, the difference that raises personal finance managing business layer to practice personal finance managing product turns the strategy; Must subdivide through personal market of finance managing business, expand personal finance managing of the our country bank to add the target market fixed position of the long point, work well the transition loading that the local financial market develops the initial stage, then can adapt the market to combine the confidence first timing, become personal flag of financial service profession of domestic.