On State-owned Commercial Banks, Personal Financial Services

After entering WTO, with their advantages in fund, human resource, products, technology, management, more foreign banks have come to China and the personal financial services possibly becomes the most competitive and challenging field. The State-owned commercial banks are confronting the competition from the foreign banks and domestic joint-stock banks in the development of personal financial services. The research on personal financial services and the means of developing and regulating personal financial services have their practical significance. It will accelerate the management transformation and services improvement of the State-owned commercial banks; it will enhance the core competitive strength of the State-owned commercial banks to compete with the foreign banks and domestic joint-stock banks.Firstly, the thesis gives the summarization of the personal financial services. Then by analyzing the status and problems of personal financial services in the State-owned commercial banks and by combining the international advanced experiences and the situation in China, the thesis put forward means to develop the management of personal financial services in the State-owned commercial banks.The thesis summarizes the definition, kinds and characteristics of personal financial services, and analyzes the major problem of personal financial services in the State-owned commercial banks, such as the restriction of financial policies, the ability of bank clerks, the lack of financial products, the lack of technology support, and so on. The thesis also analyzes the advantages of the State-owned commercial banks in personal financial services, on this basis, the thesis puts forward some suggestion to solve the problems, these measures including providing different services, constructing the customer manage system, providingcommodity financial services, developing personal credit system, strengthening the technology supports.The thesis analyzes the major problems of personal financial services in the State-owned commercial banks systematically and comprehensively, and advances some suggestion to develop this business in detail. Not only analyzing the defects of the State-owned commercial banks, the thesis also analyzing the advantages of the State-owned commercial banks in developing personal financial services, unlike other comparable articles.