Personal Financial Services Needs Of Middle-income Analysis

Personal finance service has started for hundreds of years in developed countries. That is most important service in western commercial banks. For the continue opening of China's financial market, and the deepening of financial innovation, personal finance service has been developing fast. And the personal finance service has brought most important part of profit on the bank. At present, most research about personal finance service is concentrating on status in quo and problems. But it is empty of study that is about finance demands, especially the demand of middle class.The middle class is a new class that is developing fastest in the innovation of China. It is no question that they will become the most important clients for commercial banks. In the paper, the history of personal finance service has been discussed at first. And then, the author discussed the predominance of foreign bank and the problems in our country for personal finance service. Besides that, the most important in the study is taking middle class for swatch, and using questionnaire to realize the instance and problems in personal finance service. At last, the author analyzed main factors for demand in personal finance service.The author classified personal financial demand as save demand, invest demand, consume demand and service demand. And then, the author discussed them separated. The study gave a method to study the demand of middle class in personal finance service. It has valuable for commercial banks to develop certain service and innovation.