Bank Personal Financial Planning Business Based On Customer Needs Analysis Study

In recent years, economy in China is developing unceasingly and rapidly, the index of GDP, per capita income and deposit balance, which effect people's life income, life quality and individual fortune accumulation, is increasing in a large range. Chinese people are in the way of becoming affluent. They have experienced the transformation from planned economy to market economy. The sharply transformed society and rapidly developed economy have increased the uncertain factors in people's life cycle, thus we have to consider the charge of house, education fee of children, part of medicine, life after retirement and more and more complex questions about tax and heritage. Therefore, it gradually requires overall individual financing. Subsequently, individual financing business comes into being.Considering from the commercial banks in our country, over a long period of time, the main business is savings deposits and lend service, profit balance is the main part in the income of banks, intermediate business such as individual financing is generally poor. Nowadays, for the introduction of macro-control and modern management concept of commercial banks, many commercial banks begin to focus on business structure adjustment, explore business with low-risk capital. Thus retail banks, especially individual financing business becomes the emphasis of banks, which will be one of the primary incomes of banks in the future.The individual financing business of commercial banks in our country is still in initial development, so certain gas exists in real individual financing business and concept and products integration. Under the urgent situation of financial opening and foreign capital banks advancing to China massively, it is a serious and big theme on how to accelerate the rapid maturity and development of individual financing business of commercial banks in our country with the purpose of remaining invincibility. This paper applies financing lifecycle theory and capital combination theory based on requirements from clients, to provide different financing services to clients with different risk properties, meanwhile, reveal the general situation of individual financing in accordance with a great deal of cases.This paper can be divided into six parts. The first part is introduction which gives the definition of individual financing and explains the purpose and meaning of researching this theme. The second part is individual financing, introducing the development process of individual financing in both China and foreign countries and the existing problems of individual financing expanded in domestic commercial banks. The third part is the theory analysis on financing demand, drawing out the question of where the bank individual financing should start and what to do through the demand of clients. The fourth part is theory analysis of financing supply, based on capital combination theory, expressing how the bank conducts well product distribution of financing. Here the paper cites two models to distinctively demonstrate clients with different risk properties. The fifth part is financing facts, adopting the capital distribution cases of Ping An Insurance. The supposed cases show the general situation of bank individual financing. The sixth part brings forward suggestions upon the existing individual financing of commercial banks in our country. Thereinto, the third part and the fourth part are main parts of this paper. There is a point needs explanation that the clients referred in this paper are mainly high-ranking clients whose financing analysis is mainly in the form of investment combination, in which hypothesis of rational investment and comparatively limited resources is present.