A Study On The Legal Supervision Of Personal Banking Business In China 's Commercial Banks

With the rapid development of Chinese economy, the disposable income of residents increased gradually, because of it having meet basic living, people have financial needs, and this demand in recent years becomes more and more exuberant.In the face of such a vast domestic market, the financial institutions including commercial banks have been carrying out financial services.In recent years, the personal financial management business of commercial bank developed and made remarkable achievements, but everything has the pros and cons, the huge market potential for commercial banks has brought great opportunities for development, at the same time it also must be accompanied by a certain degree of risk, in which the legal risk is the main factor restricting the development of the personal financial management business of commercial banks. Based on the analysis of two typical cases in the process, this article reveals the risk at legal and regulatory aspects at present, it is because of the existence of many shortcomings and defects, to understand the risks and to take effective measures to control, making regulatory responsibility clear are the keys to the healthy development of the personal financial management business of commercial banks.