Commercial Banks To Expand The Personal Financial Services

With the sharp inflation constantly in-depth and personal financial asset quantity, with the economic system reform and the emerging one after another of personal financial variety, tool too, the personal financial service has contained every aspect of people's social life, having already become" good assistant" of modern's life, having very important function in the social economic life. Its contribution degree in the business bank improves day by day, occupying the more and more important position in every business bank.Because marketization causes the social financial service demand to development in pluralism, especially after joining WTO, the business bank of the foreign capitals rely on their rich strength, carrying out on a large scale to enter the Chinese market in the flexible mechanism of management and advanced scientific and technological means. Personal financial services at this moment are very difficult to depend on administration to be realized by order means.So, the personal financial service of business bank only accelerates transition paces, using external experience for reference, regarding market as the direction, regarding customer as the centre, depending on the scientific and technological progress, strengthening strict quality control, combining the marketing channel, pioneer and invent. Ability is in the invincible position in the competition neutrality of future. This text divides into four parts to explain:The first part explained the content and function of the personal financial service proving that the personal financial service is the important part of the commercial banking, through reorganization preserving value, value-added new business with utilizing making again to the personal financial asset are the focus that the focal point to the commercial bankinginnovates competes with the business. Convenient and swift personal financial service has simplified the formality of closing, having economized a large amount of social fund and circulation costs, and strengthened the service function of the bank, and improved the social benefit which is very important function in social life.The second part introduced the foreign personal financial service experience of business bank, because of the foreign personal financial service of business bank starts early, general to pay attention to, it forms normal operation mechanism already accumulate abundant experience. The foreign personal financial service of business bank has important meaning of using in order to capital strength, international network, the experience of management, engineering level of conducting oneself with dignity, etc. for reference to guide among them.The third part is to make a concrete analysis of the personal financial service of business bank of our country and develop current situation, existing problem and origin cause of formation. The pluralism day by day of service function, innovative paces are accelerated, the scientific and technological means improves constantly, having very wide prospects. But is restrained from by the factors, such as fund, technology and personnel's quality, etc., which are insufficient personal financial service still exists, remain to perfect further.The fourth part is exploration which has put forward the counter-measure and suggestion of the modem personal financial service of business bank. Because of the business bank of our country the personal financial service starts late, further development is perfected to wait, the personal financial service is expanded and make certain effect, compared with foreign developed countries and regions, there is relatively great disparity. So, we must change the idea and the outstanding personal financial idea further, combining the marketing channel, strengthening the marketing, strengthening the after-sale service, making the well-known brand; accelerating innovative paces, promoting the key productscompetitiveness, strengthening strict quality control, accusing while strengthening, promoting the personal financial serv...