Joint-stock Commercial Bank Personal Banking Business Core Competitiveness

The core competence is the most essential and basic ability of one enterprise. It' s strengthen decides an enterprise' s competition status and the destiny in the market. Share-holding commercial bank must carry on the core competence construction in the finance industry comprehensive opening time in order to win the competition with the Chinese and foreign bank competition. At present, how speeds up the reform step, the comerenhensive promotion competitive ability in particular core competence, the participation international competition, has become an urgent matter to the financial field.Share-holding commercial banks in China since its birth to its flexible mechanisms, effective marketing, a distinctive brand in the rise of China's financial industry catfish in effect, to large state-owned commercial banks have brought a great impact. And personal banking business as the bank of the main battlefield of the future of competition and profit growth point of the new, share-holding banks are insufficient to overcome the inherent disadvantages of network, from a strategic, technical, marketing, human resources and services start to accelerate the pace of personal banking business in transition. This thesis attempts to five from the above-mentioned share-holding banks to build on their core business competitive analysis, and corresponding strategies, highlighting the share-holding banks should concentrate its resources to occupy the private banking business of the commanding heights of personal banking business necessity and importance of as well as the relevant measures. With a view to bring China' s share-holding banks at an early date into the core competence of a modern financial enterprises to enable them to fully open in the financial services industry under the background of the times in the fierce market competition will produce better results for the Chinese to try and find out the financial industry.