China's Commercial Banks To Carry Out The Personal Financial Services Research

Financing is the economic entities to manage their own wealth and increasing the value to ensure certain standards of living or to meet their goals, the personal finance as opposed to corporate finance, public finance is concerned, the commercial banks, Personal Financial Services is a business banks through a series of personal financial services to satisfy the personal assets of economic entities desire and demand activities. Commercial Banks, Personal Financial Services in a foreign country for nearly a century old, both financial products, financial technology, financial and cultural, or public financial management concepts have been developed to a more mature stage, in our country, because the restriction conditions, our business Banks personal financial business in all respects with the developed countries there are huge gaps and inadequacies, not only refers to commercial banks in China's personal finance business in the breadth and depth far behind the developed countries, but also that The conduct personal financial business, enthusiasm and business innovation exists a lack of power "full of Chinese characteristics" of the problem. This paper aims at the analysis of these issues, identify the causes of these problems and the situation of our country has to find the corresponding innovative practical measures and suggestions.I have read many books by and through my own practice in the bank' internal order of the Commercial Bank in oder to get a more accurate grasp of reality, while comprehensive of foreign and home research status,according to the spirit of "theory and practice, everything from reality "principle, and take the standard combination of research and empirical research methods, starting with a theoretical exploration about the probloms of personal financial management of commercial banks in China ,i draw a series of problems , while analising the reasons of the problems ,and measured their existing in a series of operational problems I get a series of strong innovation of policy recommendations such as strengthening the financial management agencies and financial institutions Chuangxin human material resources reasonable allocation for a financial product innovation, strengthen the cultivation of high-quality financial management and financial innovation, financial marketing strategy to implement changes and enhance brand-building and good personal finance technical studies.Commercial banks in developing personal financial business must be accompanied by a corresponding financial business risks, and strengthen commercial bank personal finance business risk of the smooth development of China's commercial banks have a personal financial business of utmost importance. In this paper, the last of Commercial Banks, about Personal Financial Services i discussed the risks and the corresponding series of measures and recommendations.